I'm artistically skilled, so I suppose assets isn't my problem. I have more than a few years of pixel art under my belt, and while I may need to work on my shading techniques at times, I feel I'm set towards resources.
What stops me from finishing projects is either focus and keeping updates to a project frequent (focus in general) or just the whole idea of getting the ball rolling for a new project. I might have more of an issue with debugging/bug fixing though, but I've begun to improve in that within the last few months.
Time isn't an issue to me, though. I got plenty of time, being unemployed besides my current school endeavors. Nothing huge like college, but I'm going to an IT tradeschool at the moment, which doesn't take too much up of my time.