Yep...
http://www.daveramsey.com/etc/stupid...ContentID=4405
And just for the record: Dave Ramsey has a great perspective and learned the hard way...
Jorn, my mechanic, told someone I know the other day what a great guy I am
Well, duh! I was 15% of his revenues last year!![]()



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Made me feel suddenly very guilty for having so many bikes in my house, and so sad that I don't ride them all more often, and so thankful that I can have all the things I do. I'm glad you were so kind to him, and I think that maybe it'll be one bright spot in his day when he knows someone cares for him enough to help him out. I hope you get to see him every so often so you can help lighten the load that life has put on his shoulders. I hope he brightens your days just as much.

