Everybody likes it when the underdogs win (unless you're the overdog). Thing is, when you win, you get big-time momentum on your side, which means good things start happening in droves, jack. Need proof? Then here's the pudding. The Rutgers University football team started out this season on the low end of the food chain, a small-time program. Then they beat everyone in front of them on the gridiron, but still didn't have a great shot at the football championship.

So what happens? They get some breaks, baby. Teams above them in the rankings started dropping like flies. In one week, Rutgers University, home of the underdog, went from ranked No. 15 to No. 6 in the polls. They kept plugging away, never giving up, and good things happened.

In money, it's the same deal. The Dave Ramsey Show, starring DR himself, talks about it all the time. If you pay off debt and start building up a pile of dough, primo stuff comes your way. You'll set a money goal and reach it two or three months before you thought you would. You'll find extra cash in your budget. Exciting stuff, baby ... get going and work at it.