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Level 0 - Financial instability
Since most of the people live from pay cheque to cover cheque, they are Financially Unstable. If they lose their job or provide an emergency (a disease, the car reduces, etc), they've nothing reserves to manage. How can they handle these unexpected burdens that life dishes out if they've got no spare financial capacity. Often their only way out would be to borrow more (and have further into debt) which only creates more financial hardship. And the cycle continues on.

2 To get through the learning, understanding and practice, you need to be very organised. You need to be able to set up processes and systems in the planning. All this needs time to work and being on top of it, and that means you do not get overwhelmed. It's best to centralise just as much as it is possible to, with no websites and other property all around us. Also, as you go on, automate whatever could be automated to save you time. That is, to produce one to work with other locations of one's business.

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Wayne Dyer said, "Heroes aren't born, heroes are backed into corners." Adversity forces us to get the courageous being we are already. When adversity raises its ugly head, it's about time for all of us to step of progress and deal with it. We are never too weak or too tired to address what involves us. Our Higher Power is our strength, and It is more than any obstacle which may come our way.