The obstacle shows up in two ways. Either money runs through the fingers and never stays, or, on the contrary, the person tightens up and does not spend even where they should.
Both forms are about the same thing: the fear of being left with nothing. It has no connection to the actual situation and does not pass when income grows.
What it blocks is an instinct for resources. Behind this point is a person who can find opportunities and handle them, but the fear makes them either get rid of money or cling to it.
What to do: keep a simple record and look at the facts. The fear at this point lives on not knowing, not on figures.