Lack of planning, impulse spending and proper planning are some major financial mistakes most persons make. We keep trying to secure a better future especially with the rate at which the economy is dwindling and unstable, but that will not be possible if anyone will be so unwise to continue living in a frivolous pattern. It's one thing to keep working hard to make money and another thing to be discipline enough to keep and maintain wealth.
Those who want to work hard and want to maintain their own wealth are people whose lives remain disciplined in how they use their time and also in how they use their finances on a daily basis. Because anyone can see the condition of people who like to live carelessly and there are no good examples that we can take from these people except to forget them and build ourselves better. The overall economic condition has not really improved so there is no reason for anyone not to work if we still really want to live safely and without difficulties.
I agree with you, if we want to be successful then we obviously have to work for it. We cannot expect for opportunities to come to us and just immediately change our lives for the better, we have to make our own efforts, apply changes to ourselves, and just be better and constantly learn. Moreover, if we want to be successful then we should surround ourselves with people who have the same goals and are successful as well, we cannot expect to learn and get something from people who have the opposite goals and mindset, who settle for less and what they have. Growth will only come if we have the drive to do so.