The biggest kick I get out of life is helping others, jack. If debt freedom is my game, then charities are my Super Bowl, World Series and Stanley Cup put together. I don't just volunteer with places like Habitat for Humanity, the YW and the American Red Cross, I get to support them with the green stuff, baby ... cash!

It's as easy as ABC. I have dough because I don't owe. It's needy dames and kids who get my money, not Sears or Ford. Making the world a better place, spending time with people who are down on their luck, feeling better about your problems after you see theirs ... it'll right your ship any day of the week and twice on Sunday.

Just like Dave Ramsey says, giving is the most fun you'll have with money. Right now, there's joes and jills out there who need help. Ditch your debt so you can give it to 'em.