Sure, &quot;aren&#x27;t necessarily&quot;, but likely to be strongly predictable. None of the things I list are 100% caused by anything, but lots of things in life can predict other things. For a real eye-opener, check what OkCupid&#x27;s data says about people who like the taste of beer!<p>For example, getting into that relationship in the first place was...? Were you ignoring warning signs and not really thinking about how reliable the other person might be in the long term? (if it isn&#x27;t directly your fault, you probably chose unwisely, not thinking of the long-term chances)<p>Failure to avoid health consequences is often short-term thinking. Look, we all know what happens if you live on soda and chips. Despite this, some people don&#x27;t think ahead, or they &quot;think&quot; but fail to resist the urge.<p>There are lots of reasons for debt. It could be a freak accident. Much of the time though, it was short-term thinking. You didn&#x27;t save for the future, preferring instead to spend when you could.