Looks like Ted Ginn and Antonio Pittman are throwing themselves into the 2007 NFL draft order. The Ohio State juniors decided this week to skip town and head for the National Football League draft. Seems like everyone and their mother is leaving school early for the pros nowadays. They say they've thought long and hard about it, and it's the best thing for them. If they've done that, I say ... kudos to them. Good luck in the '07 NFL draft, baby.

When you do something in your life that's big-time, whether it's a career move, making a plan for getting out of debt, or any other jazz, you need to put good preparation into it, jack. Don't just throw some dough into a bank account and call it saving money for your golden years. Look at what it takes to invest smart and do it. If you're making a family budget, don't just give your bills the once-over. Look at the cash you spend each month ... EVERYWHERE. That's step 1. Step 2? Listen to The Dave Ramsey Show.