The most common and most likely answer to this crossword clue is the 3 plus 6 plus 3 plus 4 letter word YOU SNOOZE YOU LOSE
I've seen this crossword clue in Independent
Y
O
U
S
N
O
O
Z
E
Y
O
U
L
O
S
E
Buddy explains!
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.