It isn't a day late, jack ... and it sure as Betty ain't a dollar short. It was supposed to go up yesterday, but somebody dropped the ball. Enjoy anyway.

Even though I'm flying solo these days, I know enough about relationships to put Dr. Phil in the cellar. I'm more into showing couples about not doing dumb with the dough. Usually, that involves hanging out at a book store on Valentine's Day and looking for some last-minute lunkhead who's buying 1 of the last 3 overpriced greeting cards in a desperate attempt to win some points with his dame. You can learn from that, baby.

When you wait until your nerves are more shot than a Tommy Gun after the St. Valentine's Day Massacre, you make stupid money decisions. Start early, plan ahead, and put some heart into Cupid Day (and everything else). Cooking dinner for your other half is tons better than suffering the indignity of slipping the host a 50 to find you a table when there's a 2-hour wait.

For more information, read one of my best stories, where I help some yahoo who's about to blow his budget to bugsy on Valentine's Day. It's the stuff that dreams are made of. And don't worry about being lonely on this day, ladies ... after all, I'm on the market.

And if you think that's bad ... check out these Dave Ramsey pickup lines.