Answer:
Illiteracy : When one is not educated, he won't have the insight to do what places him towards richness
Lack of information: Information is life. It leads to liberation and exploration of opportunities thereby placing one on a better pedestal of becoming rich.
Failure to plan: If one fails to plan; then its obvious he has planned to fail into poverty. Gradually planning and execution of plans is necessary to avoid ending up a poor wretched man.
Laziness: A lazy person will always find excuses on things he ought to do and get ahead of his game. Procrastination is his watchword because he don't like working.
