Few things in life sound as sweet as a trip to one of the Florida beaches. Sitting there, letting the sound of the waves put you to sleep, a cold drink by your side, the sun cooking you to a nice golden brown. Makes me want to make a beeline for Caladesi Island in Florida.

Why that one? Some joe at Florida International University (where else?) picked the beach as the best in the country this year, beating out the dunes in Cali, Hawaii and the rest of the Eastern Seaboard. I've always had a soft spot in my ticker for the beach. I think The Man Upstairs put an extra bit of fairy dust on those parts of the world when he threw 'em together.

Work with me here for a sec, jack. Picture being away from your everyday life. Imagine lounging on this beach with your family, like you own the place. Almost like you're in a dream. The waves sing you to sleep. The world is a million miles away. Feel like you've made it. It's like nothing else, baby.

THAT'S what it feels like to take a vacation with no debt. The only part of the trip that follows you home is the pics of your kids playing in the surf. You can get there. You can make it happen. Get out of debt and save your dough. The most beautiful beach is waiting for you.