Listen carefully:

I know some people love Dave Ramsey's personal finance advice. I still don't know much about him, so maybe he says this one all the time, but I still like this:

We want to microwave everything but personal finance is a crock pot.

Something I didn't know about Discover Card, which I find appealing in my neverending quest for credit card rewards (although this isn't for everyone). From It's Just Money:

When you make a purchase at the grocery store with your Discover Card, you will be given an option (perhaps not at all grocery stores), "Cash Back?" to which I ALWAYS say "yes." Just like the debit purchase, it is added onto your grocery tab. Normally when you use your credit card to get cash, they call it a cash advance and charge fees and immediate interest. Not here. The cash, up to $50, is added to your tab, and is charged like a purchase. Not only do you avoid fees, but you earn Discover Cash Back points.