1. People get into a habit early on.....saving is a more important philosophy....instead of earning (or improving your salary). Every two to three years, your salary ought to be going up a notch.
2. Getting into the habit of always spending more than you earn.
3. Letting your career be guided by your parents or society. You ought to own your destiny.
4. Too scared to take opportunity and make something out of it. Even if you fail in 20-percent of your efforts....you have to take risks.
5. Even by age forty, you have no financial goals, and don't feel bad about it.
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