The Raider has landed, jack. NFL rookie #1 pick JaMarcus Russell has finally inked a deal with the Oakland Raiders that's worth a cool 60 million. It goes without saying that it's a lot of dough, but even a hotshot QB with money in the bank can outspend himself and end up broke and out on the street. It's happened before.

You can make $31 million in guaranteed money or you can make $31,000 after working overtime, but you gotta know how to handle the cash either way, see? I had a buddy who was pulling down 6 figures in the law and order biz, and today he's broke because he couldn't control his debt. That's what happens when you make decisions like paying full price for a set of wheels that costs 86 grand.

Don't wait ... make that budget. Pay off debt. Get some dough in savings. No other way to do it, baby.