Before you criticise someone, you should walk a mile in their shoes. If at first you don't succeed, skydiving is not for you. Don't squat with your spurs on. If you tell the truth, you don't have to remember anything. Some days you are the bug, some days you are the windshield.
Good judgement comes from bad experience, and a lot of that comes from bad judgement.
The quickest way to double your money is to fold it in half and put it back in your pocket. Timing has an awful lot to do with the outcome of a rain dance. A closed mouth gathers no feet. Generally speaking, you aren't learning much when your mouth is moving. Experience is something you don't get until just after you need it.