At long last ... time to hit the turf. Nothing ... and I mean, NOTHING ... gets my ticker thumpin' like when pigskin season rolls around at the college level. A bunch of games kick off tonight. Vandy-Miami of Ohio. South Carolina-N.C. State. Wake Forest-Baylor.

What's that? Those names not big time enough for you? Well, they don't need to be. College football beats the heck out of pro, and I'll go toe-to-toe with any joe who says otherwise. They play for the love of the game, not some $14 million contract that needs to be re-negotiated as soon as some receiver has one big game.

See the way those guys attack the ball? That's how you need to attack your debt. If some fourth-stringer who’s been warming the bench all year wants it bad enough, he can get into the game and become the hero. So don't whine to me about how you might have to take a pizza-throwing job for a while. It ain't like it'll break your leg to do it. Show you're tough. Show your stuff. Deep-six your debt. Rah rah, sucker.