I got a buddy whose dame is about to pop out a little boy in May. Looks like these two are following suit with the rest of the nation. The federal research boys just came out with a report that says the birth rate for the US is the highest it's been in 45 years. That means a whole bunch of little tykes who are gonna get a dose of Dave Ramsey and DEBTective. But the two of us ain't gonna do it by our lonesomes, jack.

If you're a new parent, I got a cigar and a handshake with your name on it. I also have some advice ... teach your kids right from wrong. Don't have 'em turn into spoiled babies, baby. Show them that there's only so much money in this crazy world. When they earn some, make sure they handle it right. Teach your children well.

Can you imagine some jerk collector calling your kid when they are 5 or 6 years old and threatening to put them in jail if they don't pay their credit card bill? Stupider things have happened. The sooner they learn the right way to handle their lives (and their loot), the better. Live on less than you make. Be responsible. Have peace. Simple, simon?