1. Comfort zone feels too good – they choose relaxation over progress.
2. Short-term mindset – thinking about the holiday, not the future.
3. Fear of failure – they’d rather avoid trying than risk losing.
4. Holiday distractions – parties, family, and shopping take over.
5. Waiting for the “perfect time” – which never actually comes.
6. Overthinking – they plan too much and act too little.
7. Doubt – believing they’re not ready or not good enough.
8. Procrastination habit – pushing success to “next year.”
9. Peer pressure – friends are chilling, so they join in instead of building.
10. Lack of vision – they can’t see how small steps today create freedom tomorrow.