News flash, bub ... American Idol girl Carrie Underwood is hot stuff, see? Her video "Before He Cheats" scored a double last night, winning both CMT Music Video of the Year and Female Video of the Year. This dollface gets a couple of wins under her belt, and before you know it, she's gets hit with more Google searches than Brangelina.

It's called momentum, baby, and once you get some on your side, you can do some big-time things. You don't need to win an American Idol video award or any of that jazz. Just get to work and work hard.

Your dough is the same way. When you commit to doing the Baby Steps like Dave talks about on The Dave Ramsey Show and get that monthly budget in place, good juices start to flow. You'll find money that you didn't know you had. Then later, while you get out of debt, you'll do it faster than you thought. From there, the sky's the limit, baby.