News flash from the lab boys ... the Arctic ice cap is due to melt 30 years ahead of schedule. The reason, they say, is because global warming is heating things up in this crazy world. Hate to see it happen, but look on the bright side ... the vacation rates at the North Pole will be a lot cheaper after it hits.

It's a screwy comparison, but it punches the point home, baby. When you start to do your Baby Steps and get momentum on your side, things start happening faster than you thought they would, see? You plan to get out of debt in two years, and it happens in 18 months. You start investing money to make you a millionaire in 20 years, and it happens in 17.

Dave talks about momentum on The Dave Ramsey Show, so listen in. It's the best thing, bub. Making a budget will get those good vibes moving your way. Once that happens, start saving money. Once you get that out of the way, start working your debt snowball and put your debt problem on ice. It'll happen sooner than you think.