How's this for setting a world record, baby? Some snake charmer in Thailand aimed to make the record books by kissing 19 king cobras in a row. It may not be the smartest thing he's ever done, but it took guts, baby. He made sure to tell everyone there to not try this at home. Sounds a lot like a Dave Ramsey pre-caution ... play with snakes and you'll get bit.

It may not be cobras ... it may be credit cards or loans. But tons of companies out there are after your dough, jack. Trying to beat them at their game by way of free money, zero-percent interest, 90 days same-as-cash and all that other bull out there just ain't gonna cut it; it's playing with snakes. You may not lose your skin, but you will lose your shirt. Stay away from credit and pay for stuff with cash.