Ran across this beautiful excerept from a Tibetan monk named Gyelsay (Bodhisattva) Togmay Zangpo ...

"The main hindrance to joyous effort for liberation is laziness. There are three types of laziness.  The first is what is commonly called laziness -- lounging around, sleeping, doing nothing.

The second is being busy with worldly activities. While from an ordinary viewpoint, a person like this is seen as energetic and successful, from a [moral] viewpoint he is lazy because he has no energy to practice. Having an active social life, working a sixty-hour week, spending hours thinking about the stock market, playing politics in our workplace, and engaging in other such activities are considered being lazy. In other words, just being busy is not joyous effort. It depends what you are busy doing.

The third type of laziness is discouragement.  This is the mind that thinks, "I’m incapable of practicing [virtue]. The path is too hard. Enlightenment is too high a goal.” This type of thinking which underestimates our capability and puts ourselves down is very detrimental."