Credit card debt is one of the biggest things that messes up   most American's finances.  You see, if you don't have a credit card you can't charge it up,   and you can't run up credit card debt, that a lot of companies   will charge you 25-26% of interest a year, which eats up your money.   Let me tell you how to fix that.  Take all of your credit cards, get you a big jug, fill it up with water  except for about 1" inch at the top.   Dump all of your credit cards in that jar of water.  Screw the top on, put it in your freezer and freeze it solid.  What this does is, keeps your money safe.   If you ever run into an emergency where you really need the card,  go get it, thaw it out; it will be ready in a few hours,  but you won't do it on an impulse. Freeze your money   into cold hard cash. It'll help your money tremendously,   and it will help you build some real  cold hard cash, instead of giving it all to the credit card company.  Freeze that and you'll have some frozen assets.  This is Coach Bronner! I'll see you tomorrow.