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This also just came to me recently in a discussion - The fact that an individual themselves can be their own obstacle in case they overshoot their goals, especially having in mind what they are capable of becoming or doing.

This is probably the biggest obstacle, being realistic about these things.

Yes, there are indeed many obstacles within ourselves. and that is even an actual fact. for example that ourselves can be the biggest obstacle to achieving financial freedom is Lazy (not working optimally, using more free time for fun and playing than looking for opportunities), Excessive fear (not daring to try new things, not dare to go further, always afraid to try before taking a step, don't dare to take a new opportunity, prefer to be in a safe position and don't dare to take challenges), and pessimistic. and there are many other traits and characteristics within us that become obstacles if we can't control them properly.

My biggest obstacle is not saving up and I have overcome this all this year
Although it been so late - but I am happy I tried doing it -

There's no such thing about being late.Its better to be late than never and as long you do realize on your past mistakes then at least you do know on what you should gonna do.It cant really be denied that

we do have lots of opportunities that we had let it slip and if ever we do make some actions on that then we might really be that rich or financially free for now but it seems that fate doesnt really want for us to be on that way but it doesnt mean that you should really stop and wouldnt tend to pursue to achieve your goals.

We do have different obstacles in life but some of them were pretty common on which a certain individual would experience out.

That is correct though - but if I look back I have wasted so much money on people.
Those people were nothing but selfish lot of group who would want to get the last drop of blood off your body. Now I talk to only limited people and save up as much as I could.