It's something straight out of a corny movie. The NASA boys have done their homework, and the odds were set ... the asteroid Apophis has a 1 in 45,000 of getting in a fender bender with Earth. Everyone buys it, because these boys and girls know their stuff, see?

But, wait! From out of nowhere, a 13-year-old German kid steps forward and shows the lab boys where they went wrong. The odds are only 450 to 1. And you know what? He's right. Only thing I can guess is that they forgot to carry the 2 or something.

Imagine that ... the little guy is smarter than the big boys. Reminds me of my 5-year-old niece. She already knows to live on less than you make, which puts her about 3 notches above those money morons on TV who tell you to finance your way out of your debt mess. Just goes to show that you can learn a lot from a little one.

Keep it simple, baby. Any joe or jill who tells you to get fancy-pants with your dough probably doesn't have any of their own. They just wanna tell someone what to do so they can look smarter than they are. Don't fall for it. Live on less, save more, and come out ahead so you don't fall on your behind.