The report is in and the word is out, baby. The situation in Darfur Sudan tops the U.S. list of the world's worst human-rights abuse. It's not just some hungry people, either. The genocide in Darfur ought to make your teeth grind like old gears.

People in that area (and a bunch of others) need help. If you have some dough, you can help. If you have no debt, then you have a bunch of dough and can help big-time. When you donate money to a worthy cause, it's a better feeling than just about anything in this crazy world. Think of some joe or jill that you know who could use some extra help. Now picture bein' the one who gives them a lift.

Sound good? Then make it happen ... create a budget and pay off your consumer debt, then you can give money away like there's no tomorrow. Dave may not talk about the Darfur crisis on The Dave Ramsey Show, but he talks all the time about helping out. So help out, jack.