I love heroes, bub. Can't get enough of 'em. It takes a real special joe or jill to make the world a better place. Case in point: Secret Santa. Businessman Larry Stewart decided to reveal his secret superhero identity a few days ago and say that he's the man whose been going around for the last 26 years at Christmas, just handing out $100 bills to random people, who really get a kick out of having the extra cash. He found out not too long ago that he's got cancer, so he wanted to come forward.

The best thing about Stewart is that he didn't have to toot his own horn when he was dishing out the dough. He did it because it was the right thing to do. That's what makes a hero, jack. Dave Ramsey tells people what they have to do every day to be heroes. The quicker you learn how to budget money, the sooner you'll have some, and the sooner you can give to hard-luck people. Know what that makes you? That's right, baby ... a hero.