Core Viewpoint - Economic independence is a crucial pursuit for individuals, especially women, yet many face financial difficulties due to internal habits and attitudes rather than external circumstances [1] Group 1: Types of Financial Challenges - The first type of financially challenged individuals are those who engage in excessive spending and lack financial literacy, often indulging in impulsive purchases without considering necessity [3][4] - The second type includes individuals who are lazy and procrastinate, lacking ambition and failing to seek better job opportunities or skill enhancement, which leads to missed chances for income improvement [8] - The third type consists of those with a severe dependency mentality, relying on others for financial support and lacking the ability to manage their own finances, which can lead to crises when external support is withdrawn [10] - The fourth type involves individuals who lack long-term planning and focus only on immediate gains, neglecting future financial stability and failing to save or invest wisely [12][13]

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