<human>:  What are the most common mistakes in financial planning?
<bot>: 
1. Not budgeting for unexpected expenses.
2. Not planning for retirement or estate planning.
3. Underestimating the costs of education or health care.
4. Not diversifying investments.
5. Not taking advantage of employer retirement plans.
6. Not planning for long-term goals and objectives.
7. Ignoring taxes when making investment decisions.
8. Attempting to time the market.
9. Spending beyond your means.