1. Unfavourable hereditary background.

2. Lack of a well-defined purpose in life.

3. Lack of ambition to aim above mediocrity.

4. Insufficient education.

5. Lack of self-discipline.

6. Ill Health.

7. Unfavourable environmental influences during childhood.

8. Procrastination.

9. Lack of persistence.

10. Negative personality.

11. Lack of sufficient cash back-up.

12. Uncontrolled desire for 'something for nothing'.

13. Lack of a well-defined power of decision.

14. One or more of the six basic fears.

15. Wrong selection of a mate in marriage.

16. Over-caution.

17. Wrong selection of associates in business.

18. Superstition and prejudice.

19. Wrong selection of a vocation.

20. Lack of concentration of effort.

21. The Habit of indiscriminate spending.

22. Lack of enthusiasm.

23. Intolerance.

24. Intemperance.

25. Inability to co-operate with others.

26. Possession of power not acquired through self-effort.

27. Intentional dishonesty.

28. Egotism and vanity.

29. Guessing instead of thinking.

30. Lack of capital.

Disclaimer: This is not advice. Items herein are general comments only and do not constitute or convey advice per se. The information contained in this article is for guidance only and should not be relied upon without obtaining professional advice having regard to your specific circumstances.
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