In my opinion, the biggest risks in finance include:

1. Not having a solid financial plan: Without a clear plan for your finances, it's easy to fall into debt, overspend, and miss out on opportunities for growth and investment. Creating a budget, setting financial goals, and seeking professional advice can help mitigate this risk.

2. Over-reliance on a single income stream: Relying on one job or income stream can be risky, as it puts you in a vulnerable position in case of job loss, economic downturns, or other unforeseen circumstances. Diversifying income streams through investments or side hustles can help reduce this risk.

3. Failing to manage debt: High levels of debt can be a major risk factor that can negatively impact financial stability and future opportunities. Managing debt through budgeting, prioritizing payments, and seeking professional help can help reduce this risk.