Seen the new Spider Man 3 movie? Odds are, yes ... it sold a cool $151 million worth of tickets at the box office this weekend. The Hollywood gossip is that this flick was a risk, given its $258 million budget. If it doesn't turn a profit, some heads are gonna roll, baby. And if you think some Tinsel Town stiffsuits will get in trouble for not doing right by the numbers, think about what happens when you don't pay attention to your own.

When it comes to your budget and taking a gamble ... don't. Leave the risk-taking to Hollywood, jack ... you don't need to do it. Do the smart money stuff and don't make things tough. To get out of debt, you just need a plan and a bunch of hard work, like Dave Ramsey talks about. When you invest money, don't go for some screwy two-bit midnight real estate deal. Stick to mutual funds instead. Make it happen and make some dough, baby.