金钱与心态教练帕里迪·贾恩在《悉尼晨驱报》的专栏文章中指出，许多人在财务上陷入困境，源于三种无意识的金钱习惯[1]。其中，对被视为贪心的恐惧是第一个障碍——这种心理恐惧会阻止人们追求财务增长[1]。
第二种习惯是对节俭的过度执着[1]。虽然节俭在财务初期有助于积累，但之后可能反而成为增长的瓶颈，正如贾恩所说的"你来到这里的方式不会让你到达那里"[1]。
第三种则是为了证明自己而追求增长[1]。这类动力往往受到外部驱动而非内在充实感的支撑，因此容易遇到增长上限[1]。贾恩建议通过理解这些习惯背后的心理根源，并逐步调整心态，才能突破财务瓶颈[1]。
According to money and mindset coach Paridhi Jain, three unconscious financial habits often prevent people from achieving financial growth [1]. The first involves fear of being judged as greedy, which can lead individuals to suppress their ambitions and avoid pursuing wealth-building opportunities [1]. The second habit centers on an excessive attachment to frugality; while being careful with spending proves helpful in the early stages of financial development, this mindset can eventually become counterproductive, as captured by the principle "what got you here won't get you there" [1].
The third habit identified by Jain concerns pursuing growth primarily to prove oneself to others [1]. This externally motivated approach to financial advancement tends to reach a ceiling, since the driving force stems from outside validation rather than internal fulfillment [1]. To overcome these psychological barriers, Jain recommends understanding the roots of each habit and making gradual adjustments to one's mindset in order to break through financial plateaus [1].