Looks like Ed McMahon needs his own $10 million lottery jackpot, jack. The word is out that Mr. American Family Publisher sweepstakes, Carson sidekick, Star Search host is down $644,000 in mortgage payments on his Beverly Hills digs. Worse still, he's headed straight for foreclosure if he doesn't produce the cash soon.

I know, I know ... I got the same finger-in-a-light socket shock when I read it, too. Sure, Mac's been down on his luck. He hasn't worked in a while, even broke his neck a year and a half ago. But there's more to it than that. Even though he made gobs of dough over his career, he still made the dumb goof of tapping into his house equity and taking out loans.

Just because you make lots of money doesn't mean you're safe. You could make a ton and still owe a ton and a half. If you ain't got debt, then the only joe who's gonna come knocking at your door looking for money is the pizza man. Would you want to deal with all this junk when you're 85 years old? Didn't think so ... so stay away from borrowing, because that puts you there. I'm out.