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If you were to fault yourself in one of three areas, which would it be: (1) the inability to prioritize; (2) the inability or desire to organize around those priorities; or (3) the lack of discipline to execute around them?. . . Most people say their main fault is a lack of discipline. On deeper thought, I believe that is not the case. The basic problem is that their priorities have not become deeply planted in their hearts and minds. They haven't really internalized Habit 2 [Begin with the end in mind].

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Jon Lovitz

Some people, they got housing loans, and I think they're responsible for taking a loan they didn't qualify for?