The CBS Early Show got a dose of Dave Ramsey financial advice yesterday when DR made his weekly appearance. The usual questions were there ... some 52-year-old dame wants to know how to save for retirement, a dad co-signed for his son's student loans (which now top $100K) and a question about reverse mortgages. It's great being able to see Davey boy do his work coast-to-coast ... just like he does each day on The Dave Ramsey Show.

Word to the wise, ladies and germs: it's better to take advice from someone who has built legit, debt-free wealth over time than it is from your broke brother-in-law who thinks the lottery is the surefire cure to all your ills, baby. Dave says to create a budget. Then work hard to pay off debt. Then save an emergency fund and invest smart. Simple stuff, simon; so get to it.