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  1. Procrastination.

  2. Failure to establish definite financial objectives and implement a plan for reaching those objectives.

  3. Ignorance of the times value of money.

  4. Failure to recognize the impact of inflation.

  5. Lack of clear understanding of tax laws, failure to implement strategies to legally avoid taxes.

  6. Failure to diversify your investment portfolio/taking unnecessary risks.

  7. Inadequate protection against unforeseen losses.

  8. Letting family spending run wild.

  9. Unrealistic expectations.

  10. Failure to use professional advisor.
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