Always try to be modest. If you think nobody cares about you, try missing a couple of payments. Chastity is curable, if detected early. 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. Eagles may soar, but weasels aren't sucked into jet engines. Half the people you know are below average. 99 percent of lawyers give the rest a bad name. 42.7 percent of all statistics are made up on the spot.