Spending more than what you earn, as a repeated pattern of behavior, is definitely a habit. Most people would agree that it's a bad one.

If you're waiting for some advice or recipe to make you "automatically" rich or successful, you'll be waiting a long time. Nobody can guarantee that.

We can probably agree that there is a spectrum of habits that range from "good" to "bad". Practicing good habits doesn't create automatic success, just like practicing bad habits doesn't make success impossible, but there are statistical trends.