1. Unfavourable hereditary
background
2. Lack of a well-defined purpose
in life
3. Lack of ambition to aim above
mediocrity
4. Insufficient education
5. Lack of self-discipline
6. Ill health
7. Unfavourable environmental
influences during childhood
8. Procrastination
9. Lack of persistence
10. Negative personality
11. Lack of controlled sexual
urge
12. Uncontrolled desire for
something for nothing
13. Lack of a well defined power
of decision
14. One or more of the six basic
fears
15. Wrong selection of a mate in
marriage
16. Over caution
17. Wrong selection of associates
in business
18. Superstition and prejudice
19. Wrong selection of a vocation
20. Lack of concentration of
effort
21. The habit of indiscriminate
spending
22. Lack of enthusiasm
23. Intolerance
24. Intemperance
25. Inability to co-operate with
others
26. Possession of power that was
not acquired through self-effort
27. Intentional dishonesty
28. Egotism and vanity
29. Guessing instead of thinking
30. Lack of capital
31. Others (which you know
better)