The men's 2007 NCAA tournament is in the history books, and who's standing at the top? None other than last year's champ, the Florida Gators basketball team. The Gainesville boys stuck it to Ohio State last night, to the tune of 84-75. Coupled with Florida's beatdown of the Buckeyes in the national football championship game three months ago, you might say Florida has OSU's number, and then some.

The Gators went into every game this season with a bulls-eye on their back, baby. When you're winning, everyone tries a little harder to bump you off. It's the same deal with the dough. Just like Dave says on The Dave Ramsey Show, when you're doing your Baby Steps and getting ahead with the moolah, all the naysayers will try to knock you off. They'll say you can't have a car without a car payment, or that you should keep your mortgage, or a bunch of other jazz.

Don't buy into it, bub. Learn how to make a budget, save a baby emergency fund, and deep-six your consumer debt. Pretty soon, you'll be the money champ.