2.
You could be working harder
You have made some good progress towards your goals, but you know that you could be doing more. Hey, don't beat yourself up, life happens. We have jobs and responsibilities that have to come first sometimes. But, on the flip side, the amount of effort you put in will directly affect your outcome.
Think about maybe carving out a specific time to work on your goals. You might have to wake up earlier or sacrifice some time with friends. If you put in the work now and make the necessary sacrifices it will pay off when you are living the life you always dreamed of.
Check out this quiz What Should be Your Next Step in Life? to help you figure out what you need to do next in order to reach your goals.