The truth is that humans are programmed to survive, after which we start to look at how to be prosperous but more to this are a lot of errors that we make due to our decisions which will make us remain at the same place.
Let me put this into motion. There are a lot of people who have decided that they wouldn't quit a business or goal they know they are certainly going to fail at, not because they love the goals they had set, but because they do not want to regret the time, money and effort they have put into getting it started at first. When you do this, it is like you are playing poker with your finance.
Aside the fact that you have held up to this for long and do not want to give in to failure, it has more to do with being Bias. Most times, the financial decisions you make are based on a first-hand pick notion. You do not want to hear a second view, all you want to hear is the first thing you heard. Whatever info you get after the first info, you report to the previous one, making it look irrelevant since it wasn't the first information.
The biggest decisions you would ever make in life are financial decisions. This is because everything moves around money, and when you start to make the wrong decisions, you start to become a prey which will be consumed by money failures.
Making a decision is important and the earlier to start to look into becoming prosperous than surviving, the better for you. You need to start by battling with your mind and making sure that your decisions are neither Biased, based on first hand only, and based on a no going back even at a dead end as a result of resources invested into it.