Lack of dream or vision

They do not have any expectations about the future. What to expect for them? 

Carefree spirit

They do not bothered about building their future. Spending every dollar they have on hand as if they would not live for another day. It typically leads to no savings and resort to borrowing during a rainy day.

Gives up easily.

They rarely push past their comfort zone. It places a limit on their capacity to do much more. One of my friends did a double major degree in Finance and Banking. He graduated in May 2020. As of yesterday, we have a discussion yesterday. He stated that he intend to go back to security line as he is familiar with. He was so close to getting his dream job over an interview and job application. Yet, he have the mindset of giving up….

Fear working hard. 

Out working others improve the probability of your success. During my time in University, I did not get to enjoy as others did. I have to work and study full time. My friend could possibly have some cash flow if they decide to work on the weekend. However, they choose not to because the fear of not having a lifestyle. I believe that the biggest risk is wasting time to earn as I could right now. I could see that my net worth is much more than them even though I have not yet graduate before them. 

Not working smart.

It is essential to work smart. As a labour worker, I seen people in all age categories. There is 62 years old uncle who works 12 hours Everyday. The income is high but I do wonder how much he kept. If he have work like this all along in his life, he could have possibly retire. He never retires and have some sort of passive income. I have a discussion with him once and he does not seem to believe it. What to do ? 😂

Inconsistent 

I do believe that I fall into this category. Initially, I assume it would be easy to study while working. Did not expect the school assignments and work had caused a burnout for me. I had been trying to draft out the optimal situation for this lifestyle. No joke!

That’s all I would and could think of right now. Anymore you think it makes up the list! Great ! Drop a comment below!