Ladies and germs, meet the newest ace-in-the-hole. A 102-year-old dame in California stepped onto a par 3 at the links in and proceeded to nail a hole in one. It's something else, bub. Getting a golf hole in one is rare, but doing it once you've past the century mark will just about knock those orthopedic shoes off your feet.

Nobody ... but NOBODY ... expected this sweet ole dollface to nail that shot, but she did it. It's never too late to do something great. If you're reading this, odds are you've still got some time left in this crazy world, so get started on your baby steps, baby. Learn how to make a budget, for starters. Then get a baby emergency fund. Next up, get out of debt. Once you've got all that extra dough, give money away. It's the right way to do things ... just ask The Dave Ramsey Show host.