1. Lack of ambition
2. No financial goals
3. Dependancy on a job
4. Blaming the system
5. Regularly playing lottery
6. Thinking small
7. Feel they shoul just be 'thankful for what they have'
8. Values watching tv over reading books
9. Fear of working outside comfort zone
10. Owning no assets, but buys lots of expensive liabilities to appear rich