Now THIS is the fire that you need to have to get out of debt, jack. Pat Summitt, head coach of the Tennessee Lady Vols, showed up at the UT men's B-ball game decked out in a full cheerleader outfit to support the team and to pay back men's coach Bruce Pearl. Pearl went shirtless last month at a ladies' game and painted himself orange and white to support the dames on the court. Brings a smile to my kisser, bub.

You don't need body paint and pom-poms to deep-six your consumer debt and build wealth. But you need gazelle-intensity. You need the drive to stop using plastic and pay cash for everything, like Dave talks about on The Dave Ramsey Show. You need to save money for emergencies and retirement. As far as debt goes, you gotta sell out to get out.

You may think that not using credit is weird and you wanna be normal. Well, let me clue you in ... normal is broke! Normal is credit card debt and payments out the wazoo. Don't be a sucker. Don't be normal, be weird. 'Cause I'm here to tell you ... weird RULES!

Let's get the debt-free word out, baby. Add my blog to yours. Here's looking at you, kid.