Lucky 13. That's what Tiger Woods is saying to himself after taking home his 13th PGA tour trophy on Sunday. This kid's got a jump start on the record books to end all. At the ripe old age of 31, Tiger's assault on Jack Nicklaus' record of 18 major wins is so big and bad, his clubs should be considered deadly weapons, baby. But here's the deal ... most joes and jills would expect TW to be at this point in a decade or two. But he didn't feel like waiting that long.

Just because you're young doesn't mean you can't do good. You just need to be pointed in the right direction. I've seen 20-year-olds that were in better money shape then 70-year-olds. If you're getting good money advice today (and you are if you listen to Dave Ramsey), then you know that you don't need to be 55 years old and knocking down 80,000 smackers a year to be in the driver's seat with the dough. Anyone can do it. Start from where you are, and work the Baby Steps. Simple, simon.