There are roadblocks that keep most people from reaching their financial destination.  Your ability to pursue your goals may depend on how well you are able to navigate clear of them.

• Ignorance - Many people lack an understanding of how the financial world works and how to make their money work effectively for them.  For example, many people fail to appreciate the power of compound interest, especially over a long period of time.  It can have a dramatic effect on an investment portfolio.
• No Goals - If you have no goals, you have no direction and no way of knowing whether you are on the right road.
• Debt - The next roadblock is debt - particularly credit-card debt.  All borrowing is not mevessarily bad.  Sometimes, long-term borrowing can be appropriate for investing - for example, buying a house, an investment property, or assets that can generate more income or growth for you.
• Unsuitable Investments - Unfortunately, many investors have unsuitable investments.
• Inflation - Inflation is another obstacle you must always consider.  If your money isn't working for you, then it's losing ground to inflation.  Inflation can have a devastating effect on prices - raising the cost of everything from  a new house to a hamburger at McDonals's.
• Taxes - If you don't take steps to manage your taxes, they can impose a heavy burden.
• Procrastination - Some people never quite get around to planning for the future.  As a result, they fail to reach their financial destination. "Procrastination is my sin; it brings me constant sorrow.  I really shouldn't practice it; perhaps I'll stop tomorrow".