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For the sake of context, this is about weight loss and becoming secure (financially) to be prepared for The One. Yet I can see how this can be applicable in other areas, and see why some of the responses are geared towards sin. Which, the responses, are excellent in those contexts. Thank you everyone for the responses, and encouragement (wisdom).
I can truly say I know the meaning of " to soon old to late smart".
Now my friend it starts and stops with you. Being wise financially is a biblical lesson all in its self. Remember the borrower is slave to the lender. As far as shaping up there's plenty of tips out there to help ya with that. I think your looking at it as a defeated effort but your wrong. You can do it with the right motivation which starts with "you can do it".