Here's a bright idea. Some Duke graduate wanted to keep part of his college lifestyle, so he invented a machine that chucks beer cans from 20 feet away. Now he can lie on the couch and watch the tube, and when he gets thirsty, he uses a special remote control and gets 12 ounces of liquid refreshment delivered right to his hand.

That's a bright idea that not many people get. But here's a common-sense one that even fewer joes and jills understand ... if you create a budget and get out of debt, you'll have tons of dough. Why do you pay a credit card interest rate of 18% when you can just save up the cash and buy something? That's like buying 40 bucks worth of gasoline for $55. And what about car payments ... who needs 'em?

Bottom line: you don't need to invent some two-bit contraption to call yourself successful. Dave talks about it on The Dave Ramsey Show; you do things on the up-and-up, save money, pay off debt and give money away. Sounds good to me, baby.

Add my blog to yours, baby ... and check out my new case on the stories page!