re: What is the biggest variable that can derail a career/life ?

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My vote is for drugs and alcohol. You can completely ruin your and your family's lives getting caught up in that. So many people get addicted to pills, it's ridiculous

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Plus it spurs many of the other problems. Divorce, career issues, felonies, etc.

I don't have a drinking issue in the traditional sense, but I can certainly look back at a handful of self-created dark spots in the last 10 years or so and most are probably related to alcohol.