The 13 worst money habits of 20-somethings - and how to fix them

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AP Images/Mike Harrington

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Saving for retirement or financial goals may be the last thing on your mind as a 20-something - but when it comes to managing money, your 20s are a critical decade.

Time is on your side when you're young, and a head start in saving and investing could set you up for a wealthy future.

To get on the right track, start by breaking these terrible, yet common, money habits: