It's boo hoo for the maize and blue, baby. The University of Michigan football team made history on Saturday ... the kind that you want to forget. #5 Michigan goes up against Division I-AA Appalachian State, who was such an underdog that there was no betting line on the game, see? Three hours later, David has sent Goliath to the turf, and ASU beat the Wolverines 34-32.

Think of yourself as Michigan. Think of Appalachian State as life. If you're not careful ... if you ain't ready for life, it'll show up out of nowhere and slap the taste out of your mouth, and knock you off that high horse of yours.

Be as prepared as a Boy Scout, baby. Have a budget in place so your dough doesn't get away from you. Have the right insurance lined up. If you make "X", then don't spend "X+1". Like them apples, jack?