Do you have financial vices? New research from Bankrate has found that Americans spend about $3,000 a year on “financial vices.” So what are “financial vices”? The report describes them as “takeout food, restaurant meals, prepared drinks and lottery tickets.” The study found that 38 percent of survey respondents eat out a minimum of three times a week, 25 percent buy “prepared drinks” a minimum of three times a week and 10 percent buy lottery tickets three times a week. (The Ladders)