Life ain't always a bed of roses for the fashion icons of the world. Check out English designer bigwig John Galliano ... he was ordered to pay $271,000 to U.S. photographer William Klein for using Klein's pictures in an ad campaign without getting Klein's go-ahead.

Was it intentional? Only one joe knows. Was it stupid? All signs point to yes. Now, everybody's done stupid a few times in their life, but when it costs you 271 grand, you'd think to pay more attention to something before you do it.

It's a stupid mistake, and stupid can cost you. Dave talks about stupid all the time on The Dave Ramsey Show. But you know what? Stupid doesn't mean dead and gone. If you've done stupid and gotten yourself into trouble with the dough, then start doing smart get right back in the fight. If you have to eliminate credit card debt, or just save money, or whatever other jazz, then do it. Simple, simon.