ziggit

There's plenty of reasons. They can range from things like Depression, Anxiety, ADHD or Executive Function Disorder.

It can also just be a matter of not encountering tools or techniques that they can apply to their daily life. As great as a book or system can be, it doesn't really do any good if you can't figure out how to apply it to your own life.

Saying that people lack discipline can even be counter productive. It is incredibly exhausting to hear that you're undisciplined while you're simultaneously fighting to accomplish a fraction of things you want to do, much less need to do. Once you've heard this enough, it can seem futile to even try, and you can start to wonder if there's something wrong with you.

I've personally experienced this while dealing with ADHD and Depression in my life, but, as my grandfather used to say "Different strokes for different folks"

I like simply using the approach of pretending a portion of my income doesn't exist at all. I've got a Money Market account that I shuffle money over to automatically, and in a reasonable enough quantity that I don't have to run the risk of tapping into it.

I make a point to never look at my paychecks and never check the balance of the account, and instead simply deal with my post tax, post saving total.

It doesn't lend its self to an app, but it has served me well over the years.

You can't --- it has no inside.

That's basically the whole novelty of a Klein Bottle https://en.wikipedia.org/wiki/Klein_bottle

I always like to play a game when I'm carrying multiple laptops in a backpack:

What's the latest year that my backpack be a Top 500 Supercomputing center.

The results can be pretty entertaining sometimes.