1. Lack of education or skills: If you do not have a good education or marketable skills, it can be difficult to find well-paying job opportunities.
2. Low income: If you consistently earn a low income, it can be challenging to meet your basic needs and save for the future.
3. High debt: If you have significant debt, such as credit card debt or student loans, it can be difficult to build wealth and improve your financial situation.
4. Lack of savings: If you have little to no savings, you may struggle to handle unexpected expenses or emergencies, which can lead to financial instability.
5. Living paycheck to paycheck: If you are constantly living paycheck to paycheck, without any extra money for savings or investments, it can be challenging to improve your financial situation.
6. Poor financial habits: If you have poor financial habits, such as overspending, not budgeting, or not saving, it can lead to long-term financial struggles.
7. Lack of financial literacy: If you do not have a good understanding of personal finance and how to manage your money effectively, it can be difficult to make informed financial decisions.
8. Limited job opportunities: If you live in an area with limited job opportunities or a struggling economy, it can be challenging to find well-paying employment.
9. Lack of access to resources: If you do not have access to resources such as affordable housing, healthcare, or transportation, it can hinder your ability to improve your financial situation.
10. Negative mindset: If you have a negative mindset or believe that you will always be poor, it can be challenging to take the necessary steps to improve your financial situation.

-Zambian Accurate Information-