So, I'd like to share with you guys a revolution that is going on in my life. Listening on the radio while making bail bonds all over texas, I'd catch bits and pieces of "The Dave Ramsey Show". Its a talk show about financial advise. I really liked his views and ideas. Simple, common sense money management. So, I went home, started checking out my finances.. Crapload of credit card debt, transportation, mortgage, etc. Not terrible, but far from good. So, I was going to order his book. I hit the websight to find that he has 3 gagillion books and packages, so I called up his "sales advisors". The sales lady talked me into going to "Financial Peace Univercity" A 13 week long class (once a week, 2 hours a session) for what they call a "Total Money Makeover". 4 weeks into this class, I've gone from having $0 in the bank and living paycheck to paycheck, to having paid off 4 credit cards (Only 12 to go! ) and $1000 in the bank. and have learned ALOT about budgeting, investing, getting deals, scrubbing off debt, etc. I have 9 more classes left and I feel I've gained more financial knowledge than I did in high school, college, and general life combined. I have a solid plan for retirement, and by the time the kids are old enough to go to college, I'll have their tuition in the bank waiting for them. Another big ticket here is that if you can stuff $2k in a roth IRA each year, you can retire a millionaire. He shows you how to do it, in detail. It has a christian flare to it, but he doesnt hammer you with any christian stuff, just a line here and there such as "The borrower is servant to the lender". Which is 100% true. So dont sweat that. Link is Real Debt Help - Get out of debt with Dave Ramsey's Total Money Makeover Plan. The Financial Peace University (FPU) is $95.00 for a lifetime membership, and being a lifetime member, you can bring a spouse/girl friend/kids/whoever from here on out. It will be the best $100 you've ever spent in your entire life. I guarantee it. Listen to me on this. It will change your life. It will change your kid's life. And it will change your family tree.