Here's the latest Keith Urban news ... he's out. Mr. Down Under has made it through a three-month stretch at an alcohol rehab center. Now he's back on his feet and planning a world tour, ready to break some more records and hearts along the way. As far as making the dames swoon, I could give him some tips; but instead, I'm gonna give him some props. Any time you're willing to ask for help with something, and do the work to get yourself better, you deserve a handshake and a salute, jack.

As far as the battle through adversity goes, money can be the same way. Lots of joes and jills reading this might be knee-deep in trouble with the banks and credit card companies, see? But just like the Urban legend, you can get help and get out. If you listen to The Dave Ramsey Show, or talk to someone who's a Dave fan, you'll learn all sorts of good stuff. Want to pay off debt? It can be done. Create a budget? You betcha. It'll be tough, but worth it. Get started and get there, baby.