1. Unfavorable hereditary background.
2. Lack of well defined purpose in life.
3. Lack of ambition to aim above.
4. Insufficient education
5. Lack of Self-Discipline
6. Ill Health
7.Unfavorable environmental influences during childhood
8. Procrastination
9. Lack of persistence
10. Negative personality
11. Lack of controlled sexual urge
12. Uncontrolled desire for “something for nothing”
13. Lack of a well-defined power of decision
14. One or more of the six basic fears
15. Wrong selection of mate in marriage
16. Over-caution
17. Wrong selection of associates in business
18. Superstition and prejudice
19. Wrong selection of a vocation
20. Lack of concentration of effort
21. The habit of indiscriminate spending
22. Lack of enthusiasm
23. Intolerance
24. Intemperance
25. Inability to cooperate with others
26. Possession of power not acquired through self-effort
27. Intentional dishonesty
28. Egotism and vanity
29. Guessing instead of thinking
30. Lack of Capital