http://www.cttbusa.org/42s/42sections.aspSection 12 A List of Difficulties and an Exhortation to CultivateThe Buddha said, "People encounter twenty different kinds of difficulties:
It is difficult to give when one is poor.
It is difficult to study the Way when one has wealth and status.
It is difficult to abandon life and face the certainty of death.
It is difficult to encounter the Buddhist sutras.
It is difficult to be born at the time of a Buddha.
It is difficult to be patient with lust and desire.
It is difficult to see fine things and not seek them.
It is difficult to be insulted and not become angry.
It is difficult to have power and not abuse it.
It is difficult to come in contact with things and have no thought of them.
It is difficult to be vastly learned and well-read.
It is difficult to get rid of pride.
It is difficult not to slight those who have not yet studied.
It is difficult to practice equanimity of mind.
It is difficult not to gossip.
It is difficult to meet a Good and Wise Advisor.
It is difficult to see one's own nature and study the Way.
It is difficult to teach and save people according to their potentials.
It is difficult to see a state and not be moved by it.
It is difficult to have a good understanding of skill-in-means."
Section 27 One Attains the Way after Letting Go of AttachmentsThe Buddha said, "A person who follows the Way is like a floating piece of wood that courses along with the current. If it does not touch either shore; if people do not pluck it out; if ghosts and spirits do not intercept it; if it is not trapped in whirlpools; and if it does not rot, I guarantee that the piece of wood will reach the sea.
If students of the Way are not deluded by emotion and desire, and if they are not caught up in the many crooked views, but are vigorous in their cultivation of the unconditioned, I guarantee that they will certainly attain the Way."
Section 36 The Sequence that Leads to SuccessThe Buddha said, "It is difficult for one to leave the evil destinies and become a human being.
"Even if one does become a human being, it is still difficult to become a man rather than a woman.
"Even if one does become a man, it is still difficult to have the six sense organs complete and perfect.
"Even if the six sense organs are complete and perfect, it is still difficult for one to be born in a central country.
"Even if one is born in a central country, it is still difficult to be born at a time when there is a Buddha in the world.
"Even if one is born at a time when there is a Buddha in the world, it is still difficult to encounter the Way.
"Even if one does encounter the Way, it is still difficult to bring forth faith.
"Even if one brings forth faith, it is still difficult to resolve one's mind on Bodhi.
"Even if one does resolve one's mind on Bodhi, it is still difficult to be beyond cultivation and attainment."
Section 40 The Way Is Practiced in the Mind The Buddha said,
"A Shramana who practices the Way should not be like an ox turning a millstone.
Such a one walks the Way with his body, but his mind is not on the Way.
If the mind is concentrated on the Way, what further need is there to practice?"