Cheaters never win, winners never cheat ... you've heard the routine before. But have you heard the one about the Indian runner who failed his/her gender test and lost his/her 2006 Asian Games medal? It happened. Runner took a test, the judges found out that there was a little too much Bobby in that Betty, and asked that the piece of silver around his/her neck be returned ... no refund or exchange.

Just goes to show, jack ... never impersonate a member of the opposite sex when running a race in a large, formally organized track and field event. You know something that's even more stupid? Not learning how to budget money so you can get out of debt. The sooner you learn to keep your dough with you, the sooner you can start to pay off credit card debt and invest smart. Listen to The Dave Ramsey Show to learn more. It's good advice for all joes and jills ... and all those in between.