I'm a loafer-at-home (like many on here) with no boss to grovel to as such; but for me, posting on here is a symptom rather than a cause. If it wasn't this then it would doubtless be something else. I'm lazy, easily distracted and lack focus. I expect I could double my earnings by fixing these things, but to be honest, I enjoy being lazy, distracted and lacking focus - which I guess means I can't be that bothered about the money either.