When someone tells you that you don't have a chance at something, get mad. Then get going. Know what I'm getting at? If you don't, then ask the producers of the Cops TV show. A couple of decades ago, these guys came to the small-screen bigwigs pitching a show that follows the boys in blue as they ride around town. The studio passed on it, but that wasn't the final word for these bad boys ... they're back for a 20th season this year.

Not many joes and jills will give you a chance when you say you're gonna start your total money makeover. They'll laugh when you talk about crazy jazz like living on less than you make. Well, see who's laughing in a few years when you're out of debt. See how many yucks the broke people are having when you have piles of dough, a money plan and just about zero stress. So whatcha gonna do? Get started and get there.