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In this June 15, 2018, file photo, $20 bills are counted in North Andover, Mass. The ways we save, spend, borrow and even think about money shape our financial habits. The sooner we recognize harmful money behaviors, the sooner we can begin to correct them. (AP Photo/Elise Amendola, File)
Photo by: Elise Amendola
In this June 15, 2018, file photo, $20 bills are counted in North Andover, Mass. The ways we save, spend, borrow and even think about money shape our financial habits. The sooner we recognize harmful money behaviors, the sooner we can begin to correct them. (AP Photo/Elise Amendola, File)

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