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Brakes adjusted too tight? Pull the tire, and drum, shake the axle, push/pull on it. Does it move in ways you don't think it should? (a bit of in/out is ok, any other movement.... not so much.)
Also, trans in neutral, try and turn the axle by hand. should turn smoothly, likely with a bit of effort. If it feels notchy/crunchy at all, bad bearing.