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The tutorial discusses why many Upwork users fail to earn money, highlighting that 86% never make a dollar. Key reasons for this failure include: 1) a focus on their own needs rather than understanding client requirements—if proposals start with "I," they need a new template; 2) prioritizing quantity over quality; sending numerous proposals without meaningful changes is not effective; and 3) sending proposals too quickly, indicating a lack of care. The speaker offers a successful proposal template that has garnered over a million dollars, urging users to learn from these common mistakes to improve their chances of success.