When I was a kid, I'd go to my grandparents' house in Columbus, Ohio. They'd always have the candy and smiles waiting for me. Nowadays, Nanna and Gramps might be so maxed out on zero apr credit cards and debt that they can't buy any bubble gum or chocolate for the little tykes. Don't believe me? Then check these big money numbers. The number of seniors who filed bankruptcy jumped 213% between 1992 and 2001. A third of retirees say their debt is a problem. Household debt for joes and jills age 75 and older is more than 20 grand.

Still thinking about not getting a plan for retirement living? Wake up and smell the Metamucil, bub. If you start now and save a lot of dough, your golden years will actually have some gold in them. Don't, and you'll be eating Alpo and missing out on the chance to have some fun, like Dave Ramsey talks about. Don't be a sucker ... start your Baby Steps and get the debt job done, jack.