Remember way back when all the naysayers were saying nay about the stock market? How stocks were suffering and a recession was barreling down on us? Well, no stock market crash is happening here, jack. The Dow Jones Industrial Average hit a record high this week, and the future looks bright, baby. When you invest smart like I do, it's important to keep track of what your dough is doing, so keep track of the Dow Jones. Having said that, remember this: it will be the only time in my life where I say it's good to keep up with the Joneses.

The stock market chart is going off the charts. It goes up and it goes down, but over the last 70 years and change, it's grown like the bootlegging business during Prohibition. So don't wait ... start your Dave Ramsey Show Baby Steps so you can get in on the action. Get on a monthly budget and get that baby emergency fund in place, then get out of debt. Once you stash away 3 to 6 months of expenses, than start investing 15% of your gross pay.