 Here's Dave Ramsey with today's Ramsey Reality Check. You just decide. I'm not living from stupidity to stupidity, from guilt to guilt, from shame to shame, from dumb decision to dumb decision anymore. I stop it today. I'm done. You can make that decision right now. Ready, set, go. Get your stupid credit cards out and cut them up. If you keep doing stupid, don't scratch your head and wonder why you're freaking broke. But you can stop it. I did. For more common sense advice on life and money, go to DaveRamsey.com.