10 sec. 318?

I have a thing that hangs over my desk here... All kinds of useful tidbits. One of them says "Good judgement comes from experience... and a lot of that comes from bad judgement."
I've been doing this for decades. I had some bad judgements in my time and unfortunately I'm pretty sure I haven't goten to all of them yet...lol. So you guys asked, I answer. Be realistic, and my bad judgements lead me to say drop in a 360. It's not beating up the little guy. It's called not having money to do things twice. Some have the option of having money to do things over. For most of my life i haven't.