Check out this average joe, baby. He needs advice on how to invest a few hundred dollars for his baby boy. That right there makes him smarter than most people, who would just blow it on some new threads.

Some ideas were great (investing for college). Some were fished right out of the stupid pool (take the spread and bet it on Southern California).

The best one (that wasn't even there)? Follow Dave Ramsey's Baby
Steps. Get on a plan and get out of debt. Easy as 1-2-3, jack.