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Competition, variation in goals, skills and ability.
Whatever your income, someone out there is probably working even harder to take it from you. There are more and more increasingly sophisticated companies with marketing reps, sales people, on-staff graphic artists, teams of programmers and customer service reps. In addition there is an endless flow of wild west free site owners adding to the competition at the affiliate level.
As a guy who has been up, down and then up again in this business the advice I would give to anyone is to not expect that your current income is going to last forever. Don't blow it all on women and toys. Build a good cash reserve for your business and yourself. Make it a goal to accumulate two years living expenses in the event you should need it. Make some investments if you can. Make a personal income spreadsheet that goes forward a few years showing income, savings and itemized expenses (auto, rent or mortgage, school loans, entertainment, groceries, TAXES!, etc). Assume your income will stay the same even if if you think it will grow. Stick to the budget. Make sure you are accumulating enough cash and assets to meet your goals in a timely manner. Underestimate income, overestimate expenses.
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