20 Major Challenges to Financial Independent

1 Indebtness

2. Low wages

3. Financial illitetracy

4. Bad family relationship

5. Lack of sound personal financial management principle

6. Poor habit spending

7. Lack of clear financial goals

8. Credit card dependency

9. Poor knowledge of number game when comes to money

10. Your money working for others

11. Fear of taking investment risk

12. Play safe when comes to money matters

13. No financial budget to follow

14. Bad spending habit, expenes exceed our income

15. Lack of patient in accumulation of money

16. Constantly looking for financial independence short cut

17. Setting financial goals with no time bound

18. No plan to follow

19. Not knowing who to be your influencer when comes to money matters

20. Waiting for tomorrow

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