Here's some college football news for you, baby ... Doug Flutie is finally in the College Football Hall of Fame. And it's about time, too. At 5'10", DF has been under-sized and over-performing his whole life. That 48-yard TD pass against Miami in 1984 was just the tip of the iceberg. Flutie has been fighting the odds and the doubters his entire life; he's just relentless in his will to win, and that's what sets him apart.

It's all about heart, jack. How hard you try with what you've got. It's the same deal when you talk about money. I've seen big-shot millionaires who thought they could do no wrong, but they went belly-up in business because they had tons of bad debt and no discipline. I've seen joes and jills make $20,000 a year and are on their way to retiring with seven figures of money in the bank, baby. Plan for something great (like beating your debt problem), get intense about it and do it, just like Dave Ramsey says.