Living in fear
1) Low self esteem: I 'don't deserve' anything better. Am I punishing myself to 'get back' at someone else? Who or what?
2) "It's too much work." -- Divide and conquer! Small steps, 'one day at a time'.
3) Staying in my present situation avoids the stress and anxiety of change and growth, of adult responsibilities, that in and of itself is a reward. How do I get rid of, or de-emphasize that comfort?