I don't know about you, but I give up about as often as I use credit cards. When you don't call it quits, it pays off big-time, baby. Take a look at my hometown team ... the Chicago Bears. In the first half of Monday's NFL game, they were sputtering like the Debt-no-bile on a cold morning. But a good half-time speech and a fired-up defense put them on the fast track to a big win.

If you're doing the right thing, be it in life or saving money, work hard and stick with it. The road may get rough, but you'll come out ahead in the long run. Look at Dave Ramsey. He was bankrupt and built his business off a card table without using one penny of debt. Financial Peace University will preach to 200,000 families this year. I'd say that's a pretty good number. Use the same philosophy in your life and you'll succeed, jack. Don't. Give. Up.