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Most people don't understand why they struggle financially because they don't understand cash flow. A person can be highly educated, professionally successful, and financially ILITTERATE. These people often work harder than they need to because they learned how to work hard, but not how to have their money work hard for them.

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Cash flow tells the story of how a person handles money
More money will often not solve the problem. In fact, it may compound the problem. Money often makes obvious our tragic human flaws, putting a spotlight on what we don't know.
That is why, all too often, a person who comes into a sudden windfall of cash, let's say an inheritance, a pay raise, or lottery winnings, soon returns to the same financial mess, if not worse, than the mess they were in before.
Money only accentuates the cash flow pattern running in the head. If your pattern is to spend everything you get, most likely an increase in cash will just result in an increase in spending. Thus, the saying "A fool and his money is one big party."
Never forget that fear and desire can lead you into life's biggest trap if you're not aware of them controlling your thinking.
To spend your life in fear, never exploring your dreams, is cruel. To work hard for money, thinking that it will buy you things that will make you happy is also cruel. To wake up in the middle of the night terrified about paying bills is a horrible way to live. To live a life dictated by the size of a paycheck is not really living a life. Thinking that a job makes you secure is lying to yourself. That's cruel, and that's the trap you should avoid.
Don't let it happen to you.
Please don't let money run your life.
Cont.. (The Rat Race)
Desire
Some call it greed.
It's perfectly normal to desire something better, prettier, more fun, or exciting. So people also work for money because of desire.
They desire money for the joy they think they can buy. But the joy that money brings is often short-lived, and they soon need more money for more joy, more pleasure, more comfort, and more security. So they keep working, thinking money will soothe their souls that are troubled by fear and desire.
But money can't do that.