The theme of the day, joes and jills, is to never give up because you think it's too late. Need proof? Then here's the pudding. Pat Summitt and her Tennessee Lady Vols were down by 12 points with eight minutes to go against the dames of North Carolina last night in the NCAA Women's Semifinals hoops game. Neither team could buy a basket the whole night, so the chances of the Lady Vols putting together a comeback were slim and slimmer, and slim was about to punch out for the night.

So what happened? I'll tell you what didn't happen, jack ... Summit's team didn't quit like a bunch of chumps. They fought back and gutted it out. Next stop, the championship game tomorrow against Rutgers.

Same deal with you and me, baby. You may be backed into a corner with a bunch of consumer debt, but that just means there's no way to go but forward. If bad credit card debt and car payments have pushed you around, push back. Learn how to make a budget and show your debt who's boss. Listen to The Dave Ramsey Show sometime ... it'll get you fired up.