Get out the world's smallest violin, jack; 'cause I got a tune to play. It's for Paris Hilton (who else). Apparently, her shrink said she's "emotionally distraught and traumatized" over having to do 45 days in the pen for violating the probation from her drunk driving deal. Now, a jail cell is something that none of us ever want to see from the inside, but the Hilton honey should have thought of that before she got behind the wheel.

Point being ... know what you're getting into before you get into it, baby. If you're thinking about running up a bunch of bad credit card debt, take note that you're gonna spend a lot of dough before you get it paid off. Don't invest money in some midnight real estate jazz before you know that it's junk. Once you see that doing debt is dumb, then you can start doing the smart money stuff like Dave Ramsey teaches. Like them apples, jack?