Ladies and germs; the man of the year has arrived. No, I ain't talking about yours truly, but rather Mr. Roy Hibbert, a junior center for the Georgetown Hoyas b-ball team. This 7'2" skyscraper is doing something that gets him crazy looks from everyone under the sun ... he's coming back for his senior year instead of going pro. And he's not even trying to raise his stock to play in the NBA. He wants to get his degree and have a plan for life after hoops, see?

Now that's a man that has his priorities in line. He knows that an NBA salary and piles of cash are waiting in the wings, and the money will still be there next year. But like Dave Ramsey says, he's devising a plan and following it rather than just doing what feels good. It's a sign that he'll know how to handle the dough, because he's mature enough to wait for it instead of just diving in.

Same goes for you, bub. Don't use debt to get what you want now. Save up and pay cash so you can own it ... and your future ... later.