A smart guy told me one time that the only consistent thing in life is change. Seems that's the case for the Orange Bowl stadium in Miami, jack. After 70 years, more national championships than you can shake a stick at, and Namath's Super Bowl guarantee, the OB might be 86'd because of its age. It's a sad day to even be talking about it, but we all get an issue of Bad News delivered to us sooner or later.

It takes a big joe or jill to step up to the plate and face the music. Whether it's a football stadium or a bad money situation, it won't get better unless you deal with it. I don't care if you've never seen a budget before, learn how to make one. I don't care if you have to cut the lifestyle, cutting out the debt is better than it drowning you like a pair of cement shoes.