Some bad habits affect our physical health, like smoking, nail biting, or eating too much junk food. But others take a toll on our financial health. How do you know if you have unhealthy financial habits, and what can you do to build better ones? Take these three steps. Dig Into Your Relationship with Money Relationships with money are complex. It isn’t always easy to identify financially unhealthy behavior. But there are some signs you can look for. Common problem areas include spending more money than you earn, neglecting to start an emergency fund, and not saving for retirement. Taking a financial health quiz can be a good first step toward detecting weak spots. However, our struggles don’t always reflect poor habits or decision-making. Many experts say it’s important to consider the role that systemic issues can play in shaping financial health. “Not being able to get a living wage, …