Time to admit a guilty pleasure ... I never heard a joke against the French that I didn't like. So imagine how many one-liners were running through my noggin when I heard that French workers are the biggest complainers in this crazy world. I've heard that work conditions and morale aren't exactly top-notch over there, but that doesn't mean you can't do what you love and love whatcha do. Find a job that makes you WANT to put on your work gloves, bub.

Don't give yourself a reason to whine ... in life or money. If you don't like your job, then do what it takes to find one that lights your fire and makes you a happy dog. If you're tired of living paycheck-to-paycheck, then get rid of your consumer debt, and your dough will go farther. Don't believe me? Then tune in to Dave Ramsey's show and hear for yourself, baby.