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The primary reason for financial problems in life is lack of self-discipline, self-mastery, and self-control. It is the inability to delay gratification in the short term. It is the tendency to spend almost everything you earn. Even spending money anyhow without being able to keep track of it can be very annoying.

It causes fear and sometimes, depression. If youput aside some of that money every day, you will be able to control your spending habits and you will discover that all your financial fears and worries will be reduced.