SlideShare une entreprise Scribd logo
1  sur  18
Optimi Ź e Assèts
@ 7capitalist

1
Why People Fail
to become financially successful

2
Disclaimers
Experience is something very personal
and cannot be taught.
It teaches only to the the teachable.
Hence the teachable is able to shorten
their learning curve.

3
1
No Plan

4
2
Procrastinate
there's always tomorrow

5
3
Ignore the impact of
inflation

6
4
Taxes
Pay too much

7
5
Poor investment
choices

8
6
No measurable
Goals

9
7
Make financial decisions
without understanding the implications

10
8
Neglect
periodic review of financial plan

11
9
Adopt quick financial fix
at the expense of long term goal

12
10
Unrealistic expectations
on investment returns

13
11
Think Finanical Planning
is only for the wealthy or the elderly

14
12
Confuse
financial planning with investing or tax planning

15
13
Wait until
money crisis to begin financial planning

16
14
Think using
a financial planner means losing control

17
Thank you
www.7capitalist.com

18

Contenu connexe

En vedette

Guide to A Better Financial Status
Guide to A Better Financial StatusGuide to A Better Financial Status
Guide to A Better Financial StatusNewHorizon.Org
 
Setting Personal and Family Goals
Setting Personal and Family GoalsSetting Personal and Family Goals
Setting Personal and Family GoalsTyler Squire
 
Elements of Wellness - BYU Presentation - by Becky Moller - www.AerobicMom.com
Elements of Wellness - BYU Presentation - by Becky Moller - www.AerobicMom.comElements of Wellness - BYU Presentation - by Becky Moller - www.AerobicMom.com
Elements of Wellness - BYU Presentation - by Becky Moller - www.AerobicMom.comMoller Marketing, LLC
 
System Investment Strategy Through Market Turbulence
System Investment Strategy Through Market TurbulenceSystem Investment Strategy Through Market Turbulence
System Investment Strategy Through Market TurbulencePeter Lim
 
Your First Step to Financial Intelligence
Your First Step to Financial IntelligenceYour First Step to Financial Intelligence
Your First Step to Financial IntelligenceLearning Infinite
 
IRA/Defensive Strategy/Investment Advisory Example
IRA/Defensive Strategy/Investment Advisory ExampleIRA/Defensive Strategy/Investment Advisory Example
IRA/Defensive Strategy/Investment Advisory ExampleDon McNeill, ChFC
 
How to develop an Investment Strategy
How to develop an Investment Strategy How to develop an Investment Strategy
How to develop an Investment Strategy Eureeca
 
Welth planners financial planning presentation
Welth planners financial planning presentationWelth planners financial planning presentation
Welth planners financial planning presentationWealthplanners
 
FINANCIAL FREEDOM FOR FILIPINOS AND OFWS
FINANCIAL FREEDOM FOR FILIPINOS AND OFWSFINANCIAL FREEDOM FOR FILIPINOS AND OFWS
FINANCIAL FREEDOM FOR FILIPINOS AND OFWSJon Hererra
 
Personal Finance for Everyone (Dropbox 2014)
Personal Finance for Everyone (Dropbox 2014)Personal Finance for Everyone (Dropbox 2014)
Personal Finance for Everyone (Dropbox 2014)Adam Nash
 
Unleash Your Power of Managing Future
Unleash Your Power of Managing FutureUnleash Your Power of Managing Future
Unleash Your Power of Managing FutureFlexSystem fesa-s.com
 
Panzers Roadmap To Financial Freedom April 2009
Panzers Roadmap To Financial Freedom   April 2009Panzers Roadmap To Financial Freedom   April 2009
Panzers Roadmap To Financial Freedom April 2009Panzer G
 
Poverty: The Growing Wealth Divide
Poverty: The Growing Wealth DividePoverty: The Growing Wealth Divide
Poverty: The Growing Wealth DivideJoshua Goh
 
The Road to Financial Freedom
The Road to Financial FreedomThe Road to Financial Freedom
The Road to Financial FreedomManish Jain
 

En vedette (20)

Guide to A Better Financial Status
Guide to A Better Financial StatusGuide to A Better Financial Status
Guide to A Better Financial Status
 
Setting Personal and Family Goals
Setting Personal and Family GoalsSetting Personal and Family Goals
Setting Personal and Family Goals
 
Personal Financing
Personal FinancingPersonal Financing
Personal Financing
 
Elements of Wellness - BYU Presentation - by Becky Moller - www.AerobicMom.com
Elements of Wellness - BYU Presentation - by Becky Moller - www.AerobicMom.comElements of Wellness - BYU Presentation - by Becky Moller - www.AerobicMom.com
Elements of Wellness - BYU Presentation - by Becky Moller - www.AerobicMom.com
 
Why study Financial Management
Why study Financial ManagementWhy study Financial Management
Why study Financial Management
 
System Investment Strategy Through Market Turbulence
System Investment Strategy Through Market TurbulenceSystem Investment Strategy Through Market Turbulence
System Investment Strategy Through Market Turbulence
 
Your First Step to Financial Intelligence
Your First Step to Financial IntelligenceYour First Step to Financial Intelligence
Your First Step to Financial Intelligence
 
Develop an Investment Strategy for your SMSF
Develop an Investment Strategy for your SMSFDevelop an Investment Strategy for your SMSF
Develop an Investment Strategy for your SMSF
 
IRA/Defensive Strategy/Investment Advisory Example
IRA/Defensive Strategy/Investment Advisory ExampleIRA/Defensive Strategy/Investment Advisory Example
IRA/Defensive Strategy/Investment Advisory Example
 
Fundamental Of Personal Finance
Fundamental Of Personal FinanceFundamental Of Personal Finance
Fundamental Of Personal Finance
 
How to develop an Investment Strategy
How to develop an Investment Strategy How to develop an Investment Strategy
How to develop an Investment Strategy
 
Welth planners financial planning presentation
Welth planners financial planning presentationWelth planners financial planning presentation
Welth planners financial planning presentation
 
FINANCIAL FREEDOM FOR FILIPINOS AND OFWS
FINANCIAL FREEDOM FOR FILIPINOS AND OFWSFINANCIAL FREEDOM FOR FILIPINOS AND OFWS
FINANCIAL FREEDOM FOR FILIPINOS AND OFWS
 
Personal Finance for Everyone (Dropbox 2014)
Personal Finance for Everyone (Dropbox 2014)Personal Finance for Everyone (Dropbox 2014)
Personal Finance for Everyone (Dropbox 2014)
 
Unleash Your Power of Managing Future
Unleash Your Power of Managing FutureUnleash Your Power of Managing Future
Unleash Your Power of Managing Future
 
Financial intelligence Training
Financial intelligence TrainingFinancial intelligence Training
Financial intelligence Training
 
Panzers Roadmap To Financial Freedom April 2009
Panzers Roadmap To Financial Freedom   April 2009Panzers Roadmap To Financial Freedom   April 2009
Panzers Roadmap To Financial Freedom April 2009
 
Financial Planning Presentation
Financial Planning PresentationFinancial Planning Presentation
Financial Planning Presentation
 
Poverty: The Growing Wealth Divide
Poverty: The Growing Wealth DividePoverty: The Growing Wealth Divide
Poverty: The Growing Wealth Divide
 
The Road to Financial Freedom
The Road to Financial FreedomThe Road to Financial Freedom
The Road to Financial Freedom
 

Similaire à Why people fail to become financially successful.

Mistakes.pdf
Mistakes.pdfMistakes.pdf
Mistakes.pdfRaul Cruz
 
10 Wealth Accumulation Tips
10 Wealth Accumulation Tips10 Wealth Accumulation Tips
10 Wealth Accumulation TipsMichael Woloshin
 
5 reasons why financial planning is important
5 reasons why financial planning is important5 reasons why financial planning is important
5 reasons why financial planning is importantreachfirst01
 
Investment strategies-to-grow-your-assets
Investment strategies-to-grow-your-assetsInvestment strategies-to-grow-your-assets
Investment strategies-to-grow-your-assetsRoger Jirves
 
What can your adviser do for you
What can your adviser do for youWhat can your adviser do for you
What can your adviser do for youChris Bailie
 
Tips To Avoid Investing Mistakes - Success Resources Richard Tan
Tips To Avoid Investing Mistakes - Success Resources Richard TanTips To Avoid Investing Mistakes - Success Resources Richard Tan
Tips To Avoid Investing Mistakes - Success Resources Richard Tansuccessresources1
 
How To Avoid Investment Mistakes - Success Resources Richard Tan
How To Avoid Investment Mistakes - Success Resources Richard TanHow To Avoid Investment Mistakes - Success Resources Richard Tan
How To Avoid Investment Mistakes - Success Resources Richard Tansuccessresources1
 
7 Big Mistakes eGuide
7 Big Mistakes eGuide7 Big Mistakes eGuide
7 Big Mistakes eGuideRyan Isaac
 
Start Investing Young
Start Investing YoungStart Investing Young
Start Investing YoungNitin Pant
 
Consumer Guide to Financial Planning
Consumer Guide to Financial PlanningConsumer Guide to Financial Planning
Consumer Guide to Financial PlanningDana Ray Reynolds
 
finance philosophy on money.ppt
finance philosophy on money.pptfinance philosophy on money.ppt
finance philosophy on money.pptJenniferDeLeon51
 
consumer-guide-to-financial-planning
consumer-guide-to-financial-planningconsumer-guide-to-financial-planning
consumer-guide-to-financial-planningSarah Arthur
 
Build a successful financial plan
Build a successful financial planBuild a successful financial plan
Build a successful financial planMel Feller
 
Should i plan my income quiz
Should i plan my income quizShould i plan my income quiz
Should i plan my income quizplanmyincome
 
Danette OConnell NED presentation new
Danette OConnell NED presentation newDanette OConnell NED presentation new
Danette OConnell NED presentation newDanette O'Connell
 

Similaire à Why people fail to become financially successful. (20)

Mistakes.pdf
Mistakes.pdfMistakes.pdf
Mistakes.pdf
 
Davis slide deck
Davis slide deckDavis slide deck
Davis slide deck
 
10 Wealth Accumulation Tips
10 Wealth Accumulation Tips10 Wealth Accumulation Tips
10 Wealth Accumulation Tips
 
Sip presentation
Sip presentationSip presentation
Sip presentation
 
5 reasons why financial planning is important
5 reasons why financial planning is important5 reasons why financial planning is important
5 reasons why financial planning is important
 
Investment strategies-to-grow-your-assets
Investment strategies-to-grow-your-assetsInvestment strategies-to-grow-your-assets
Investment strategies-to-grow-your-assets
 
What can your adviser do for you
What can your adviser do for youWhat can your adviser do for you
What can your adviser do for you
 
Tips To Avoid Investing Mistakes - Success Resources Richard Tan
Tips To Avoid Investing Mistakes - Success Resources Richard TanTips To Avoid Investing Mistakes - Success Resources Richard Tan
Tips To Avoid Investing Mistakes - Success Resources Richard Tan
 
How To Avoid Investment Mistakes - Success Resources Richard Tan
How To Avoid Investment Mistakes - Success Resources Richard TanHow To Avoid Investment Mistakes - Success Resources Richard Tan
How To Avoid Investment Mistakes - Success Resources Richard Tan
 
7 Big Mistakes eGuide
7 Big Mistakes eGuide7 Big Mistakes eGuide
7 Big Mistakes eGuide
 
Start Investing Young
Start Investing YoungStart Investing Young
Start Investing Young
 
Consumer Guide to Financial Planning
Consumer Guide to Financial PlanningConsumer Guide to Financial Planning
Consumer Guide to Financial Planning
 
finance philosophy on money.ppt
finance philosophy on money.pptfinance philosophy on money.ppt
finance philosophy on money.ppt
 
Consumer Guide to Financial Planning
Consumer Guide to Financial PlanningConsumer Guide to Financial Planning
Consumer Guide to Financial Planning
 
consumer-guide-to-financial-planning
consumer-guide-to-financial-planningconsumer-guide-to-financial-planning
consumer-guide-to-financial-planning
 
Credit card UAE
Credit card UAECredit card UAE
Credit card UAE
 
Personal financial planning guide
Personal financial planning guidePersonal financial planning guide
Personal financial planning guide
 
Build a successful financial plan
Build a successful financial planBuild a successful financial plan
Build a successful financial plan
 
Should i plan my income quiz
Should i plan my income quizShould i plan my income quiz
Should i plan my income quiz
 
Danette OConnell NED presentation new
Danette OConnell NED presentation newDanette OConnell NED presentation new
Danette OConnell NED presentation new
 

Plus de Chew Hock Beng 周福明 (iFA Rep, Singapore) (9)

The Foundation of Financial Planning
The Foundation of Financial Planning The Foundation of Financial Planning
The Foundation of Financial Planning
 
Why Insurance Wrapper?
Why Insurance Wrapper?Why Insurance Wrapper?
Why Insurance Wrapper?
 
Set the Motion. Control the eMotion.
Set the Motion. Control the eMotion.Set the Motion. Control the eMotion.
Set the Motion. Control the eMotion.
 
Education Planning - Smart Kids Need Smart Parents
Education Planning - Smart Kids Need Smart ParentsEducation Planning - Smart Kids Need Smart Parents
Education Planning - Smart Kids Need Smart Parents
 
What is Time?
What is Time?What is Time?
What is Time?
 
What is Money?
What is Money?What is Money?
What is Money?
 
The Foundation of Financial Planning
The Foundation of Financial PlanningThe Foundation of Financial Planning
The Foundation of Financial Planning
 
A proven system for iFA Representative
A proven system for iFA RepresentativeA proven system for iFA Representative
A proven system for iFA Representative
 
Be an Independent Financial Adviser Rep (iFA Rep)
Be an Independent Financial Adviser Rep (iFA Rep)Be an Independent Financial Adviser Rep (iFA Rep)
Be an Independent Financial Adviser Rep (iFA Rep)
 

Dernier

ICT role in 21st century education and it's challenges.
ICT role in 21st century education and it's challenges.ICT role in 21st century education and it's challenges.
ICT role in 21st century education and it's challenges.MaryamAhmad92
 
Micro-Scholarship, What it is, How can it help me.pdf
Micro-Scholarship, What it is, How can it help me.pdfMicro-Scholarship, What it is, How can it help me.pdf
Micro-Scholarship, What it is, How can it help me.pdfPoh-Sun Goh
 
How to Manage Global Discount in Odoo 17 POS
How to Manage Global Discount in Odoo 17 POSHow to Manage Global Discount in Odoo 17 POS
How to Manage Global Discount in Odoo 17 POSCeline George
 
2024-NATIONAL-LEARNING-CAMP-AND-OTHER.pptx
2024-NATIONAL-LEARNING-CAMP-AND-OTHER.pptx2024-NATIONAL-LEARNING-CAMP-AND-OTHER.pptx
2024-NATIONAL-LEARNING-CAMP-AND-OTHER.pptxMaritesTamaniVerdade
 
SKILL OF INTRODUCING THE LESSON MICRO SKILLS.pptx
SKILL OF INTRODUCING THE LESSON MICRO SKILLS.pptxSKILL OF INTRODUCING THE LESSON MICRO SKILLS.pptx
SKILL OF INTRODUCING THE LESSON MICRO SKILLS.pptxAmanpreet Kaur
 
Unit-V; Pricing (Pharma Marketing Management).pptx
Unit-V; Pricing (Pharma Marketing Management).pptxUnit-V; Pricing (Pharma Marketing Management).pptx
Unit-V; Pricing (Pharma Marketing Management).pptxVishalSingh1417
 
Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...
Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...
Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...ZurliaSoop
 
Spellings Wk 3 English CAPS CARES Please Practise
Spellings Wk 3 English CAPS CARES Please PractiseSpellings Wk 3 English CAPS CARES Please Practise
Spellings Wk 3 English CAPS CARES Please PractiseAnaAcapella
 
General Principles of Intellectual Property: Concepts of Intellectual Proper...
General Principles of Intellectual Property: Concepts of Intellectual  Proper...General Principles of Intellectual Property: Concepts of Intellectual  Proper...
General Principles of Intellectual Property: Concepts of Intellectual Proper...Poonam Aher Patil
 
Kodo Millet PPT made by Ghanshyam bairwa college of Agriculture kumher bhara...
Kodo Millet  PPT made by Ghanshyam bairwa college of Agriculture kumher bhara...Kodo Millet  PPT made by Ghanshyam bairwa college of Agriculture kumher bhara...
Kodo Millet PPT made by Ghanshyam bairwa college of Agriculture kumher bhara...pradhanghanshyam7136
 
Introduction to Nonprofit Accounting: The Basics
Introduction to Nonprofit Accounting: The BasicsIntroduction to Nonprofit Accounting: The Basics
Introduction to Nonprofit Accounting: The BasicsTechSoup
 
Fostering Friendships - Enhancing Social Bonds in the Classroom
Fostering Friendships - Enhancing Social Bonds  in the ClassroomFostering Friendships - Enhancing Social Bonds  in the Classroom
Fostering Friendships - Enhancing Social Bonds in the ClassroomPooky Knightsmith
 
Application orientated numerical on hev.ppt
Application orientated numerical on hev.pptApplication orientated numerical on hev.ppt
Application orientated numerical on hev.pptRamjanShidvankar
 
1029-Danh muc Sach Giao Khoa khoi 6.pdf
1029-Danh muc Sach Giao Khoa khoi  6.pdf1029-Danh muc Sach Giao Khoa khoi  6.pdf
1029-Danh muc Sach Giao Khoa khoi 6.pdfQucHHunhnh
 
Salient Features of India constitution especially power and functions
Salient Features of India constitution especially power and functionsSalient Features of India constitution especially power and functions
Salient Features of India constitution especially power and functionsKarakKing
 
Mixin Classes in Odoo 17 How to Extend Models Using Mixin Classes
Mixin Classes in Odoo 17  How to Extend Models Using Mixin ClassesMixin Classes in Odoo 17  How to Extend Models Using Mixin Classes
Mixin Classes in Odoo 17 How to Extend Models Using Mixin ClassesCeline George
 
UGC NET Paper 1 Mathematical Reasoning & Aptitude.pdf
UGC NET Paper 1 Mathematical Reasoning & Aptitude.pdfUGC NET Paper 1 Mathematical Reasoning & Aptitude.pdf
UGC NET Paper 1 Mathematical Reasoning & Aptitude.pdfNirmal Dwivedi
 
HMCS Max Bernays Pre-Deployment Brief (May 2024).pptx
HMCS Max Bernays Pre-Deployment Brief (May 2024).pptxHMCS Max Bernays Pre-Deployment Brief (May 2024).pptx
HMCS Max Bernays Pre-Deployment Brief (May 2024).pptxEsquimalt MFRC
 
ICT Role in 21st Century Education & its Challenges.pptx
ICT Role in 21st Century Education & its Challenges.pptxICT Role in 21st Century Education & its Challenges.pptx
ICT Role in 21st Century Education & its Challenges.pptxAreebaZafar22
 
Food safety_Challenges food safety laboratories_.pdf
Food safety_Challenges food safety laboratories_.pdfFood safety_Challenges food safety laboratories_.pdf
Food safety_Challenges food safety laboratories_.pdfSherif Taha
 

Dernier (20)

ICT role in 21st century education and it's challenges.
ICT role in 21st century education and it's challenges.ICT role in 21st century education and it's challenges.
ICT role in 21st century education and it's challenges.
 
Micro-Scholarship, What it is, How can it help me.pdf
Micro-Scholarship, What it is, How can it help me.pdfMicro-Scholarship, What it is, How can it help me.pdf
Micro-Scholarship, What it is, How can it help me.pdf
 
How to Manage Global Discount in Odoo 17 POS
How to Manage Global Discount in Odoo 17 POSHow to Manage Global Discount in Odoo 17 POS
How to Manage Global Discount in Odoo 17 POS
 
2024-NATIONAL-LEARNING-CAMP-AND-OTHER.pptx
2024-NATIONAL-LEARNING-CAMP-AND-OTHER.pptx2024-NATIONAL-LEARNING-CAMP-AND-OTHER.pptx
2024-NATIONAL-LEARNING-CAMP-AND-OTHER.pptx
 
SKILL OF INTRODUCING THE LESSON MICRO SKILLS.pptx
SKILL OF INTRODUCING THE LESSON MICRO SKILLS.pptxSKILL OF INTRODUCING THE LESSON MICRO SKILLS.pptx
SKILL OF INTRODUCING THE LESSON MICRO SKILLS.pptx
 
Unit-V; Pricing (Pharma Marketing Management).pptx
Unit-V; Pricing (Pharma Marketing Management).pptxUnit-V; Pricing (Pharma Marketing Management).pptx
Unit-V; Pricing (Pharma Marketing Management).pptx
 
Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...
Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...
Jual Obat Aborsi Hongkong ( Asli No.1 ) 085657271886 Obat Penggugur Kandungan...
 
Spellings Wk 3 English CAPS CARES Please Practise
Spellings Wk 3 English CAPS CARES Please PractiseSpellings Wk 3 English CAPS CARES Please Practise
Spellings Wk 3 English CAPS CARES Please Practise
 
General Principles of Intellectual Property: Concepts of Intellectual Proper...
General Principles of Intellectual Property: Concepts of Intellectual  Proper...General Principles of Intellectual Property: Concepts of Intellectual  Proper...
General Principles of Intellectual Property: Concepts of Intellectual Proper...
 
Kodo Millet PPT made by Ghanshyam bairwa college of Agriculture kumher bhara...
Kodo Millet  PPT made by Ghanshyam bairwa college of Agriculture kumher bhara...Kodo Millet  PPT made by Ghanshyam bairwa college of Agriculture kumher bhara...
Kodo Millet PPT made by Ghanshyam bairwa college of Agriculture kumher bhara...
 
Introduction to Nonprofit Accounting: The Basics
Introduction to Nonprofit Accounting: The BasicsIntroduction to Nonprofit Accounting: The Basics
Introduction to Nonprofit Accounting: The Basics
 
Fostering Friendships - Enhancing Social Bonds in the Classroom
Fostering Friendships - Enhancing Social Bonds  in the ClassroomFostering Friendships - Enhancing Social Bonds  in the Classroom
Fostering Friendships - Enhancing Social Bonds in the Classroom
 
Application orientated numerical on hev.ppt
Application orientated numerical on hev.pptApplication orientated numerical on hev.ppt
Application orientated numerical on hev.ppt
 
1029-Danh muc Sach Giao Khoa khoi 6.pdf
1029-Danh muc Sach Giao Khoa khoi  6.pdf1029-Danh muc Sach Giao Khoa khoi  6.pdf
1029-Danh muc Sach Giao Khoa khoi 6.pdf
 
Salient Features of India constitution especially power and functions
Salient Features of India constitution especially power and functionsSalient Features of India constitution especially power and functions
Salient Features of India constitution especially power and functions
 
Mixin Classes in Odoo 17 How to Extend Models Using Mixin Classes
Mixin Classes in Odoo 17  How to Extend Models Using Mixin ClassesMixin Classes in Odoo 17  How to Extend Models Using Mixin Classes
Mixin Classes in Odoo 17 How to Extend Models Using Mixin Classes
 
UGC NET Paper 1 Mathematical Reasoning & Aptitude.pdf
UGC NET Paper 1 Mathematical Reasoning & Aptitude.pdfUGC NET Paper 1 Mathematical Reasoning & Aptitude.pdf
UGC NET Paper 1 Mathematical Reasoning & Aptitude.pdf
 
HMCS Max Bernays Pre-Deployment Brief (May 2024).pptx
HMCS Max Bernays Pre-Deployment Brief (May 2024).pptxHMCS Max Bernays Pre-Deployment Brief (May 2024).pptx
HMCS Max Bernays Pre-Deployment Brief (May 2024).pptx
 
ICT Role in 21st Century Education & its Challenges.pptx
ICT Role in 21st Century Education & its Challenges.pptxICT Role in 21st Century Education & its Challenges.pptx
ICT Role in 21st Century Education & its Challenges.pptx
 
Food safety_Challenges food safety laboratories_.pdf
Food safety_Challenges food safety laboratories_.pdfFood safety_Challenges food safety laboratories_.pdf
Food safety_Challenges food safety laboratories_.pdf
 

Why people fail to become financially successful.