Carelessness can be replaced by exactness. As you learn the dangers of the debt cycle, you begin to realize that once you start the debt cycle it is very hard to stop. If you are not in debt, you can set a goal now to never let this cycle begin. If you are already in this debt cycle, you can prepare a plan to get out of debt and stay out. As you follow the commandment to stay out of debt, you will become like the army of Helaman:

Yea, and they did obey and observe to perform every word of command with exactness; yea, and even according to their faith it was done unto them; and I did remember the words which they said unto me that their mothers had taught them (Alma 57:21).

Yea, they had been taught by their mothers, that if they did not doubt, God would deliver them (Alma 56:47).

We need to be exact in what we do, have faith that God can help us, and then work toward accomplishing what we need to accomplish.