Things that stop you from becoming either comfortable or Rich 

1. You Overspend

You spend more than you earn, taking money from either your savings or rely on Credit cards to pay for things
Make a list of where your earnings go each month, see where you are able to reduce your outgoings and then set yourself a realistic budget which allows you to pay your bills, but leave some to invest in a retirement/savings plan and a portion to place into an emergency fund.

2. You Don’t Save anything or enough

Saving something must become a priority to make a start with the emergency fund. When you have created this is fairly substantial then you can move on to saving for other goals you have in life.

3. Too Much Debt

While certain are away to financial success, buying property or starting a business even this is best done when you have some capital rather than having to borrow the full amount. But credit cards or other debts that attract high-interest charges are not. Pay off the ones with the highest rates.

4. You Have No Plan

If you do not have a defined plan(s) becoming comfortable/rich will always just be a dream. This factor alone will consolidate excuses to overspend and not save. Putting a financial plan in place may seem boring, but it is a necessity and you can both get used to it and achieve it. As far as the plans go if you want to achieve your objectives break them down into three categories short, medium and long-term.

5. No Emergency Fund

Most experts will tell you that you need to have at least six months of income in your emergency fund, because without this in place it can turn what could have been a comfortable situation into a huge disaster very quickly.

6. Started too late

The most difficult part of starting anything in life is actually to make a start on it. You may have a debt, small income and lots of expenses, but everyone can still save something even if it is only a very small amount to begin with.

7. Complaining but never Committing

If you do not change anything then nothing will change, instead of complaining, take responsibility for your bad habits and think of how you can change these and then do it.

8. You live for the present and forget about the future

It may not be any fun, to think about retirement and other things in the future. But you will have to do it. One of the problems in life is that if you do not regulate or you are prone to impulsive spending you will end up in debt. You have to change your attitude from buying now, worrying later to saving now and getting rich later, thinking pattern.

9. Lack of Diversity

You might be lucky and get rich with one type of investment, but that is like winning the lottery, it is not a good strategy either as having all your money in one place also puts you at way too much risk. It is better to have multiple investments that have different levels of risk, ROI potential and also different levels of access to your money.

10. Not Understanding

Maybe you are a person that believes somehow or something will come and rescue you, so why should you bother to save or get out of debt. You may get lucky land a fabulous job, get a huge pay rise, and receive an inheritance, win the lottery or something along those lines. But none of these are really a good plan if you actively want to become rich. Life is always uncertain and nobody truly knows what will or won’t happen, so why not focus on what you can actually control today yourself. You have, to have a plan to save yourself just in case nobody else or nothing else does so.
One thing though you are already rich if you think about it. If someone offered you a million for your leg, arm or eye, would you give any of them up, you have two, surely you could cope with one, the answer would almost for certain be NO.

To be rich is more than about ownership, it is also a state of happiness, well-being and wishing the same for others. So when you are working on getting rich, remember to stay happy and healthy along the way.