Let's learn a lesson from the wonderful world of baseball, shall we? Check out my Chicago Cubs. At the top of the 9th yesterday, they're leading 8-3 over the Rockies. Next thing you know, they let their guard down and blow a 5-run lead. So what do they do, in typical Cubbies fashion? They dig deep, play the role of comeback kid and win the game with two outs in the bottom of the 9th. OK, maybe they don't always come back, but it punches the point home.

No matter how far ahead you are in the game, things can turn sour. Never let up and always finish. Don't pay off a few debts and then go on autopilot ... keep the intensity to get debt-free. Don't think your money will make itself ... you gotta make the dough and spend it wisely, baby.