There are a lot of multimillion dollar payouts we pay for, most avoidable by following a few key tenants:
Don't do drugs
Don't get in trouble
Don't be an a$$
Pay more attention in school
Do those 4 things and 99 out of 100 people will be better for it
I live my life by the 2 commandments. 1- Be cool. 2- Dont be an A-hole. Same logic as yours. Posted from my iPhone/Mobile device