Car payments keep you broke, baby ... no two ways about it. That's why stories like this one on Pet Peeving (written by a close-knit buddy of mine) get me smiling ear-to-ear. This bub likes to buy used trucks and he gets some great deals doing it. Read his story about upgrading his wheels for almost nothing.

Used car and used truck prices are great because some other yahoo has taken the rear-kicking in depreciation, so you can get a sweet ride for a steal. Just goes to show, it pays to drive crap.

The less dough you spend on cars, the more you have to make an emergency fund. All the more to get out of debt, my dear. Invest smart and retire with dignity? No problem. Then save for the kids' college, deep-six the mortgage and you can give money away to help others out. If I was too fast on that, then listen to The Dave Ramsey Show and learn all about it.

Don't forget ... add my blog to your blog, baby.