Not much in life irks me more than people who spend all their time goofing off at work. We've all seen them; the guy who comes in late and leaves early, the gossip, the procrastinator ... people who put the "off" in office, baby. If this is you, let me clue you in ... the world doesn't owe you jack just because you breathe air. Start producing or take the train.

My mom and pops taught me how to work hard, and it helped me take off and go big-time when I got to the real world. On top of that, I had to double-time it when I went broke in order to clean up my mess, and that's just what happened. The people who get ahead are the ones who stick with it and put in the effort and the hours. Sound familiar? It should; it's how Dave Ramsey built his business.

Don't work long or hard enough and you'll be out on the street without a job and up the creek without a paddle. And with no J-O-B, you won't be able to pay off debt and save money. Get it?