Always try to be modest. If you think nobody cares about you, try missing a couple of payments. Drugs may lead to nowhere, but at least it's the scenic route. On the last Geraldo. Do not take rat poison from the hand that criticizes you.
Chastity is curable, if detected early.
Love may be blind, but marriage is a real eye-opener. Hell hath no fury like the lawyer of a woman scorned. Bills travel through the mail at twice the speed of checks. Hard work pays off in the future. Laziness pays off now.