I just spent the kid's nap listening to the Dave Ramsey show podcast... instead of zoning out to HGTV.
My motto has always been "Don't die with money in the bank." So when he used that as a bad example, I was a little confused. He got me again when he said retail therapy doesn't work... what?! I just came back from the mall.
I'm not enrolling in the Financial Peace University, yet... but I did drink some Ramsey kool-aid and it hit the spot.