[supercat]

Honest hardworking people who happen to be poor don't suck. Stupid people with no decision making skills who happen to be poor suck.

What about honest, hardworking, stupid people with no decision making skills [who happen to be poor]?

[Hawkeye's Girl]

Unfortunately, they suck too, but not as much. Poor decision making skills will mess up whatever you've tried to accomplish, which is why it's so important to ask for help and advice when you're faced with certain choices.