Which of the Following Is Outlined in the Text as Reason(s)why

Which of the following is outlined in the text as reason(s) why many people do not have an adequate financial plan?

A) For most people it is easier to spend than save.
B) Procrastination can affect everyone.
C) Many of us lack the proper knowledge.
D) There is never enough time for organizing and planning.
E) All of the above are common excuses for not planning.