1. It is wise not to take responsibility for someone else’s debt.
“God wants every one of us to take responsibility for himself. But if you put your financial future in the hands of someone the banks already think is a bad risk, you are acting irresponsibly yourself and encouraging irresponsibility in the other person.” —Ray Ortlund
2. It is wise to work hard and not be a sluggard.
“He (the sluggard) is lazy, constantly making the soft choice, losing one opportunity after another after another after another, day by day, moment by moment, until he lies there helpless in his wasted life.” —Ray Ortlund
3. It is wise not to sow discord.