Amobi Okoye is about to do something that all other 19-year-olds only dream about. Come this fall, this Nigerian phenom will suit up for some NFL team and be the youngest player in the past 37 years to play in the pros. Here's the best part, though ... the inside scoop says this Top 10 NFL pick is mature beyond his years. That's what you want from someone like that.

You need to know how to handle fame and fortune, baby. And age doesn't have much to do with it. I've met 15-year-olds who had more sense than some 55-year-olds, and vice versa. When you have piles of cash, you need to have discipline and not blow all your dough on a bunch of stuff. That's where the Baby Steps and hard work come in; as you do them, they discipline you.

A total money makeover is worth it, big-time, because you learn how to make a budget, save money and invest smart, and it prepares you for a lifetime of having fun and helping people with your piles of dough and those random acts of kindness. Heard that one on The Dave Ramsey Show.