1. I am never going to retire, so I don't have to save.
2. I will get my finances in order as soon as I [random excuse]
3. Investing is too risky; I don't understand how it works
4. My credit score is not important unless I am buying a home or a car
5. I won't get married (or have kids), so I don't have to save for those.
6. I should buy a house because renting is wasting money away
7. I can't save because I don't get paid enough
8. I am approved for a $x loan (credit card, car loan or mortgage), so I should be able to handle it
9. I can't have a social life if I make a budget
10. I don't need health insurance because I am healthy
11. I will get Social Security and Medicare, so I don't need savings
12. As long as I get a college degree, I am set in life
13. I need to be rich to build wealth
14. I don't need as much money as I am making now when I retire
The harsh reality that I wasn't reaching my goal is what fueled me to examine my thought process about finances. But how does it work for you? Are money lies holding you back from reaching your goals?