Most kids in their early 20s are more into Starbucks than they are reaching for the stars. Don't tell that to Barrington Irving. He just became the youngest hotshot to fly solo around the world. I love his reason ... he wants to inspire inner-city kids to aim high. Now THAT'S a guy who deserves to go into the record books, baby.

If a 23-year-old kid can travel around the world on his lonesome and defy the odds, then I don't want to hear that you can't live on a budget or that it'd be too tough to pay off that $7,000 credit card debt. You just gotta decide that you've had enough of being broke. Don't do it for your buddies, because they'll make fun of you for having dough. Do it for you, kid.