[from Dave Ramsey's The Total Money Makeover] So, my Total Money Makeover begins with a challenge. The challenge is you. You are the problem with your money.
Wow. That is so right. Noone has ever said that to me.
How did he know that?!
Gareth: Yea, that is good. (looking at Jane sheepishly out of the corner of his eye) Does he know your other problems, too?
Jane: Huh?! Wait a minute...what problems?! That's not very funny!
Gareth: Then why are you laughing?
I guess I was laughing.
Dave's right, too. I'm making a change, though, and my money is going to start working for me -- instead of the other way around! Look. Out.