Break Up With Bad Money Habits: Letting Go of What’s Holding Your Finances Back
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This week’s #CreditChat, Break Up With Bad Money Habits, takes a closer look at the behaviors that may be undermining financial progress. We’ll discuss how to identify unhelpful spending patterns, credit missteps, and mindset barriers—and how to replace them with healthier habits. Join the discussion for actionable tips to reset your financial routine.
Topic: Break Up With Bad Money Habits: Letting Go of What’s Holding Your Finances Back
When: Wednesday, February 18, 2026
Where: Join the live hashtag discussion
The panel will include: Felicity Watts:Author atAmerican Consumer Credit Counseling; Beverly Harzog:Credit Card Expert, Bestselling Author, columnist and podcast host atBeverlyHarzog.com;Jeanne Kelly:Credit expert, identity theft expert, speaker and founder ofJeanneKelly.net; Jorrell Bland:Associate Wealth Advisor atMitlin Financial, Inc.; Leslie H. Tayne, Esq:Founder and Managing Director ofTayne Law Group, P.C. (f/k/a The Law Offices of Leslie H. Tayne, P.C.); Deacon Hayes: Author of You Can Retire Early and Founder of WellKeptWallet.com; Rod Griffin: Senior Director, Consumer Education and Advocacy, Experian; Jennifer White: Consumer Education and Advocacy Team, and Christina Roman: Consumer Education and Advocacy Manager at Experian.
Questions we will discuss:
1. When you think about “bad money habits,” what’s one behavior that’s more emotionally driven than logical, and why is it so hard to break?
2. How can someone tell the difference between a one-time financial mistake and a true habit that’s holding them back?
3. What role do emotions like fear, guilt, or shame play in keeping people stuck in unhealthy financial patterns?
4. Why do you think money is one of the hardest topics for people to be honest about, even with themselves?
5. What’s the most common “toxic” money habit people cling to, even when they know it’s hurting them?
6. Is it better to cut off a bad habit completely or to slowly replace it with a healthier one, and why?
7. What are the biggest triggers that cause people to fall back into old financial habits, such as stress, convenience, or social pressure?
8. How do modern tools like apps, credit cards, buy-now-pay-later, and social media make it easier or harder to change money behaviors?
9. What’s one question people should start asking themselves regularly to keep their money habits in check?
10. What advice would you give someone who feels it’s “too late” to change their financial habits?
Check out our complete list of upcoming personal finance Twitter chats here.