My inability to budget myself. If I can't do it now I am not sure how it is going to change in the future.
Also my inability to shop around for better deals on my car insurance, etc.
I do actually shop around. It just takes quite a bit for me to take action and/or change in general.

I also have a slight issue with direction (mom's fault) but I am ok with it/getting better.

And no I am not happy about this, it is affecting my financial situation gravely. Among other things.