Going to break into a taboo subject here, jack ... so you might wanna take the kids out of the room. The newest word from the lab boys says that when it comes to cancer, 1 marijuana joint is equal to 20 cigarettes.

That's right, bub ... now, it's no secret that taking a visit from your college buddy Mary Jane is strong enough for a man, but made for a moron. All the more reason to just say no, if you ask me.

Bigger risk than you thought ... sort of like debt. Sure, you think a little here and a little there is no big deal. But before you know it, you'll have taken out so many loans and be so weighed down by your bills that you'll just want to sit in front of the TV eating tacos, see?

Here's the point; don't let yourself be lulled to sleep by the little stuff that costs you dough. Make a budget and you'll see how the small stuff adds up. It'll give you a shock. Think I'm kidding? Try it; one time won't hurt you.