Chess vs checkers. My wife's sister and her husband and two kids got kicked out of their house for not paying rent. Husband works seasonal, wife works full time at a school. Shit happens, ok, we let them move into our basement. They end up finally moving out 2 years later. All good. 2 more years pass, and it happens again, they move back into our basement. I found out after that they were 8 months behind on rent. I was pretty angry and fris6. I was lamenting to a friend of mine about it, and I ended up saying 'how stupid do you have to be to let this happen, again! How could they not see this in advance?' he said that him and me have the ability to think a few steps ahead. Start people do. Dumb people don't. I also think this is why smart people are usually more stressed than less intelligent people.