Lots of people today are diving into the debt pool wearing a pair of cement shoes, baby. The saddest part? They don't even know it. They don't see that a little here and a bit there are costing them big-time in the long run, baby.

Don't believe me when I say the little things are adding up? Maybe you'll believe the numbers. Stopping at Starbucks for a $5 mocha latte may not look like much, but doing it 25 days out of the month adds up to 125 smackaroonies before you even get to work. That's more moolah than some people spend on gas, which doesn't exactly come cheap. If you invest that $125 from 18 to 65, it will turn into $3.2 million. That should buy its fair share of cappuccinos.

It's all part of what I've been drilling home from day one. Dave Ramsey is always talking about living on a budget and saving the dough. Imagine if cutting out the coffee helped you connect with your cash, baby. Easy to do and hard to believe. Do it anyway, and start right now, jack.