Not lazy, smart -> Likely to become a millionaire
Not lazy, not smart -> Will probably make ends meet, but not a millionaire
Lazy, samrt -> Toss-up. Can either make it far or end up broke
Lazy, not smart -> Likely to be broke
Not lazy, smart -> Likely to become a millionaire
Not lazy, not smart -> Will probably make ends meet, but not a millionaire
Lazy, samrt -> Toss-up. Can either make it far or end up broke
Lazy, not smart -> Likely to be broke
Not factual
You are going to have a rude awakening if you get a bit unlucky.