Here's a good Letterman list. Top 10 ways to make sure you won't graduate high school. No. 1 - get a couple of your friends to steal your report card because you think you're going to flunk. Think I'm kidding? Some 16-year-old German high schooler was so worried that he'd have to repeat a year of school because of bad grades convinced two buddies to steal his report card. He thought that would fix it.

Here's the lesson to learn: you can't fix yesterday, but you can keep from breaking tomorrow. This guy had to learn that the hard way. As for you, you can't go back 20 years and save up a big retirement account. But you can start saving money now. You can't un-pay 15 thousand bucks in bad credit card debt. But you can pay it off and stop using plastic. Start now and make things better, baby.