Sorry if the title offends anyone. But I have a great example of me being dumb.
Like most people, i'm often tired. Yawning in the middle of the day, slow motor reflexes, just plain sleepy a lot. So this past Saturday night should've been a glorious opportunity to catch up on some sleep. We got an extra hour right! What do I do? I figure I can just stay up an hour later. Which is what I did. Next morning i'm just as tired as before.
Most of the problems in my life have come because of my lack of discipline. Finances, "spiritual life" (i'm not sure I like the terminology, but whatever for now), and my health all suffer because I suck at being disciplined.
Just throwin that out there.