If you mess around more than you display the value of what you have learned, or if you spend your time frivolously and neglect to build a career or to save and invest, don't expect your child to develop really much better habits.
, Develop a plan for your own betterment including a budget and stick to it. Start saving money and invest for retirement and college funding for your children, even if it is in very small amounts.
 Hard work like some overtime is the only way to financially succeed for many people with underdeveloped careers. Are you a conscientious learner and a do you want higher responsibilities in your work?
Evaluate and address your own habits.
Do you have trouble providing for your family's basic needs in any areas of life, and is your own entertainment a constant source of wasted effort in your household, consider looking carefully at how you are modeling good living habits and the work ethic.

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Identify your problem areas, and work to correct them.
Appraise your initiative, industry and general work ethic.
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