They are ...
1. You only work hard, not smart.
2. You emphasis more on saving , not enough on earning.
3. You buy things you can't afford.
4. You're content with a steady paycheck.
5. You haven't started investing.
6. You're pursuing someone else's dream - not your own.
7. You rarely step outside of your comfort zone.
8. You don't have goals for your money.
9. You spend first and save what's left over.
10. You believe that you can never be rich.
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