Why people fail to be successful.

These are the main factors why people fail to be successful:

1. Laziness
2. Bad attitude
3. Bad habits
4. Bad influence
5. Lack of education
6. Lack of focus
7. Lack of experience
8. Lack of determination
9. Lack of guidance
10. Lack of courage
11. Fail to find right environment
12. Fail to develop financial genius (FG) at
    a) home
    b) work
    c) associates
    d) knowledge/awareness of FG
    e) willingness to work hard to develop FG