Some things are worth all the hype, some aren't. Ladies and germs, Exhibit A. Many joes and jills are hyping up the Ohio State-Michigan game tomorrow as the greatest thing to happen to football since the cleat was invented. The Game. Number 1 vs. Number 2. A conference championship and national title game berth on the line. I'm all about college football, bub ... but I just hope it doesn't turn into a 47-0 blowout. I've seen too many "Game of the Century" picks that turned out to be more bloated than a 300 lb. uncle after Thanksgiving dinner.

Something that is worth all the hype is a debt-free life. Dave Ramsey talks about it all the time. Getting out of debt and saving so you can retire rich with no payments is worth the hype and then some, baby. Make it happen, and the final score will read: You - 1 (Won) and debt - zero. Do the math.