A clear conscience is usually the sign of a bad memory. If you must choose between two evils, pick the one you've never tried before. Money can't buy love. But it CAN rent a very close imitation. Plan to be spontaneous tomorrow.
Hard work pays off in the future.
Laziness pays off now. Borrow money from pessimists - they don't expect it back. You have more possibilities then you can act upon. Imagine the possibilities and your vision expands. You can capture your dreams if you reach out for them.