Here's the word from the boys in Washington: the Medicare people are saying their new Medicare drug benefit plan is a success. Nice, if you can get it. Problem is, most of us won't. I don't know about you, but when I get old and gray, I don't want to rely on MC, I want to rely on DT. That's why I took the steps to invest money.

Close your eyes and think about it, baby. You invest $500 a month for the next 30 years, you'll end up with almost 750,000 bucks. That'll generate about 80 grand a year. Can you buy your own medicine for that? Bet your bottom dollar on it, baby. Then you won't have to rely on a government program or anyone else to get your pills for you.

If you want to retire with dignity, take the steps to do it. Doesn't matter if you make $25,000 a year or 250K; if you live on less than you make and create a personal budget so you can save money, you'll win with the dough. Heard that before? Yeah, you have ... on The Dave Ramsey Show. Tune in to Dave.