The reason Dave Ramsey says to live below your means is because you never know when you'll go from eating lobster to lima beans. Need proof? Then here's the pudding. Some 10-year-old girl in Nepal was being called a living goddess ... until she got stripped of the title for traveling overseas to promote some film. Think about that; it just took that one little mistake to start her fall from grace. The same thing can happen to you if you're not careful, baby.

Most people might think of a fall from (money) grace as going from a nice car to a clunker, or getting your digs foreclosed on. When you make the mistake of going into credit card debt, or getting a car loan, or taking out a Texas-sized mortgage, you bump up the chances of it happening. So don't go there. If you buy stuff you can't afford to keep up with the Joneses (who are broke), then it'll cost you big-time, see? Stay away and stay out of trouble.