The biggest barrier to achieving financial freedom is low income, people with low income cannot invest as they spend most of their income on basic needs and an unexpected health problem, job loss or other emergencies can reduce or completely deplete savings.
But let's assume that your income is enough to invest, one of the biggest barriers for people who fall in this part is the lack of knowledge on investing. it is very important to have enough knowledge and skills on personal finance management
Agree. Poor people won't think about investment, they only focus on their urgent needs. They have very limited money, they even sometimes have no money. So, how can they invest in Bitcoin, Gold, Land, or any other things? Poor people clearly have no chance to achieve the financial freedom. They may reach it if there is big help from the government.
While for people who have money, they should be easier to achieve it. Having sufficient knowledge isn't so hard if they are not lazy. Sure, investment requires enough knowledge.