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12 causes of an unsuccessful person:
1. Dislikes the teachings
2. Bad men are dear to him; he approves of bad men
3. He is fond of sleep, lazy, and has anger
4. He does not support (although able) his mother or father
5. Speaks untruthfully to a monk or other religious teacher
6. He is stingy and not generous
7. He is haughty because of his wealth, birth, or clan
8. He squanders money
9. He is dissatisfied with his own spouse and seeks others
11. He places a person in authority of questionable character
12. Too much craving and unrealistic expectations