Here's a writer journey for you. New Jersey's own Harry Bernstein had a rough life, between an alcoholic father, a wife who died five years ago, and a boatload of other jazz to deal with. Three years ago, he decided to write about it to give himself some relief; call it alternative therapy. He sent the script to Random House and, next thing you know ... bada-bing, bada-boom; he's gettin' published.

Oh, by the way ... Harry's 96 years old, baby. Late start? Maybe. Home run? You betcha. This would be a great example for Dave to talk about on The Dave Ramsey Show.

Point being, ladies and germs, is this; it's NEVER TOO LATE. You may be dealing with lots of financial pain and little money. You may be pushing 60 or 70 and have tons of consumer debt. You may have not invested well so you have some retirement income. That just means you still have some time. Giving up is for suckers, see? The second you start working to get things better, you're making progress. Get started.

It ain't too late, baby ... put me on your blogroll.