Sometime the barrier lies in lack of knowledge. People often tend to develop their life using their existing knowledge which they tried and failed many times. Even while taking the financial decision people focus on planning what's they planned before and slay there. They might be good at the existing tried and failed planning. But learning about the different methods and concepts, they can actually make a better decision.
Surface level learning a waste of time. Not entirely, but to a large extent it is wastee. Of learning doesn't helps in making better choices. That shouldn't be considered as learning in the first place.
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