Life is all about evolution, yet we seem to selectively forget this fact when it comes to personal challenges and issues. Often, a person would rather drown themselves in 'work' and 'duty,' along with some misguided semblance about honor, virtues and values to push and neglect very real, and often, serious personal issues and challenges that get buried in the psyche.
Personal challenges are equally as important as your work, duty and honor - for if the personal issue or challenge is buried, then it still remains a psychical and subconscious hindrance that, due to neglect, affects the precious work, duty and honor negatively.
Personal challenges often take the most courage, and yes, more courage than that of work and duty because often these issues cannot be solved through simply 'working' them away. One must become creative and innovative in his/her consciousness, and develop a flexibility outside his/her own rigidity in order to face these challenges and ultimately solve them.
As a rule, a personal challenge can never involve anything in relation to money, finances, career, work, or duty - though to a certain degree, some of these topics can overlap such as the case with a personal challenge to become more ethically and morally sound. Yet, even with that, the challenge there still must not involve work or career, nor money and finances for these remain solely within the realm of work, profession, job-related challenges that are not precisely personal.
Personal challenges are issues that the person must solve, and often, must solve alone - though one can (and should) use a support system such as being able to talk to a real friend. In some cases, friends may be able to assist with the personal challenges. Personal challenges can only involve that which relates to the innermost and inner self, conflict within the self, emotional and feeling-related issues, interpersonal relationships - including that of love, romance, friendship, companionship, unity and togetherness, along with betterment of the self, self-realization, self-reflection, and the like.
Often, personal challenges come up in such a way that to the traditionalist-materialist-by-the-book-systematic-thinker, it seems like a waste of time.