How's this for a whale picture? A mother humpback and her wee baby swimming through San Francisco Bay toward the Golden Gate Bridge, then onto the Pacific Ocean; all the while a bunch of average joes and jills are cheering them on. It ain't just a tale of a whale ... it's a whale of a tale, baby.

These two blowhole bubs are getting close to their goal. They've been staying in the straight and narrow for a long time and sticking together, but once they hit that big blue sea, it's gonna be smooth sailin'.

Picture that when you're trying to pay off debt. You may not have a lot of wiggle room, but let that drive you to your goal of deep-sixing your debt and saving a lot of dough, Dave Ramsey-style. Then, once you're debt-free, you'll be home free, jack.