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. Two cannibals were eating a clown. A ship loaded with red paint crashed into a ship loaded with purple paint. Both crews were marooned.