It is probably better starting with a more specific question as everyone is different with different circumstances. You can’t even generalise. Some struggle with finances, some with time, some with family commitments, some with legalities, etc, and some with more than one.
Agree.. the depth of what is considered ones sore point, is very personal and will depend on where our strengths and weaknesses lay.
For the OP, you mention this is to help you with your business and your studies… Curious, what is your business? maybe a little introduction could benefit the community… Maybe even sharing what your sore points are in your own business?
Cheers