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In a discussion about the challenges of earning money on Upwork, the speaker highlights that 86% of users do not earn anything. Three key reasons for this failure are identified: 1) Many applicants focus on themselves rather than addressing client needs, indicated by starting proposals with "I." 2) They prioritize quantity over quality, believing that sending more proposals is the key to success; merely changing a few words in cover letters can be detrimental. 3) Rapid-fire proposal submissions decrease effectiveness. The speaker promises to share a successful Upwork proposal template that has generated over a million dollars, aiming to help viewers improve their success on the platform.