The "IF" factor is that situation which is necessary to make us happy. So, for example, "if I meet the ONE, I'll be complete." The problem is that until we release that "IF", we will never be complete. Then we think, "so I have to give up on my dreams to be happy? I don't want to do that. What's the point of life without dreams?" Or a similar thought. And this is how the "if" factor gets us. You see, it's not the end results that we need to release, it's the dependency of it, it is the "IF" we want to release in order to be complete.