You are not disciplined in saving or investing a percentage of your income on a regular basis.
You eat whatever you want and your body looks likes a donut.
You don't work out or do regular exercise and you feel lethargic and tired.
You don't discipline the kids because it's too much work. They are getting right out of control.
You let your home or car look like a dump and tell yourself that doesn't breed chaos and confusion.
You are somewhat lazy in your personal self-management, including low levels of grooming and attention to your clothing and appearance.