The most dangerous money mistakes are the ones you don’t notice.

Are buying cars you can’t afford and living paycheck-to-paycheck dangerous? Of course! But they’re obvious. Hard to miss. They’re like a voice yelling into a megaphone “Hey! Something’s not right.”

But what about money mistakes that aren’t so obvious? Or even worse, money mistakes disguised as money wisdom?

Those may not devastate your bank account in one swoop. But they often go unaddressed. And overtime, they add up.

So here are money mistakes you might not have noticed.

Penny pinching.

Sure, it sounds like a great idea in theory. But when you’re constantly scrimping and saving, it’s tough to enjoy life. What’s the point of working so hard if you can’t even enjoy your money?

Plus, penny pinching can stop you from taking calculated risks that could save your money from stagnation.

So instead of penny pinching, try moderation instead. You may find yourself far more inspired to budget and save then if you commit to complete frugality.

Under and over filling your emergency fund.

A lot of people make the mistake of not having an emergency fund at all. It leaves them vulnerable to unexpected expenses and financial emergencies.

When you have too much money in your emergency fund, it’s tough to make any real progress on your long-term financial goals. A good chunk of your net worth gets sunk into money that’s not growing.

The solution? Save up 3 to 6 months of income in an easily accessible account, no more. Use that money to cover emergencies. If it runs low, refill it.

Once your emergency fund is full stocked, devote your income to building wealth.

Leaving goals undefined.

It’s tough to achieve a goal you don’t have. And it’s even tougher to achieve a goal that’s fuzzy and undefined.

That uncertainty makes it easy to fudge good financial habits. You don’t see how lapses impact your big picture because you don’t have a big picture,

So when it comes to your money, be specific. Write out your goals and make sure they’re measurable. That way, you can track your progress and ensure you’re on the right track.

Be on the lookout for these dangerous money mistakes. They may seem innocuous, but they can add up over time and stop you from reaching your financial goals. Stay vigilant and steer clear of these traps!