Since you were young, you've always felt so much better about yourself when you take care of things and are responsible -- so much so, in fact, that it's your preferred method of handling your life now that you're grown up. The great news is that by living responsibly, modestly and with maturity, you actually move yourself along your life path at quite a brisk pace. There's no reason to get off track when the going's so good.
You are able to set goals, make a plan and have the self-control to stay on task. You have excellent, practical problem-solving skills. You were wise at a young age and seemed more grown-up than other people your age. Chances to improve yourself just seem to come your way without effort, and you're able to capitalize on these opportunities. Your personal growth will come through sustained effort and dedication. You can work off some powerful karma in this life, all the while avoiding new karma, unless it is positive.