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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 -

It cannot succeed without adopting a binding savings strategy. Saving is one of the most difficult means that can be adopted to achieve wealth in the long term, since it is not possible in the short term. The most important condition is that the decision to save is not subject to any circumstances.

Savings does play some role which we know that it is really that crucial on someones life on which we cant really be able to avoid out that there are things in life on which you would really be that facing up

some challenges or problems which would really be needing that huge financial.THere's no way that we could really find ourselves on a good shape unless if you do have tons of money then it wont really

be an issue but what if you are just an average worker who do earn just sufficient on day to day living? Saving up some funds or money would really be the toughest
thing that you would really be doing so.