OK, let's talk about the most killing factor in personal development. I'm not guru on the subject nor hold any professional degree in it but have learnt "something" through the experience and observation. Even everyone can see people around who are most talented but have some "inner fear" to take some steps to show their guts.
Folks, all people are created equally. Everyone has equal 24 hours available in a day, we all breath in same air, share the same sun and environment. But the difference between a common person and an un-common is who takes benefit of these available resources. Ones who accept the challenges that life offers them are successful as compared to those who remain in their shell of self-claimed 'protective zone' or 'complex'.
So, look at yourself and compare how do you see the life and face the challenges. Until next time, take care and keep smiling :-)