Even when you win the lottery, you don't win. The host of The Dave Ramsey Show said it best when he said that, jack. Need proof? Then here's the pudding. Jack Whitaker held the winning power ball lottery numbers on Christmas Day 2002 and took home a cool 113 million (after taxes). Just over four years later, he's as broke as a bootlegger after his speakeasy gets raided by the feds. Lottery winner? I don't think so. Now he's asking himself 'Where is the cash?'

You have to know how to handle the dough, baby. I don't care if it's $1 or 314 million of them. There's making money and there's keeping it. And even if you earn money instantly (dumb luck), odds are you're gonna lose it before you even know what to do with it. The best way to make the dough is to invest now and invest smart. When payday rolls around, use the dough and pay off debt. It's good advice, and free at that. Want more? Come back anytime, baby.