"The only excuse for being broke is being in Jail."

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Learn all you can, don't be lazy. Nothing's worse than being stupid. Being broke is bad, but being stupid is what's really bad. And what's really really bad is being broke and stupid. Nothing's much worse than that. Unless you're sick. Sick, broke and stupid, that’s about as far as you can fall unless you're ugly. Surely that would be the ultimate; ugly, sick, broke and stupid.

— Jim Rohn