What are two methods that will NOT help develop long-term successful financial habits?

Using your emergency fund for routine expenses does not cultivate long-term successful financial habits because emergency funds are specifically intended for unexpected expenses or financial emergencies. Relying on this fund for regular spending diminishes its purpose and can lead to a precarious financial situation when genuine emergencies arise.

Meanwhile, regularly reviewing your budget, saving consistently over time, and establishing a savings plan are all actions that build awareness, accountability, and discipline regarding personal finances, which are fundamental in developing positive financial habits. These practices help individuals align their spending with their financial goals and prepare for future expenses, ultimately leading to greater financial stability and success.