• How to Be a Financial Stud – Excellent Excellent. "After graduation and well into your career, the next studly phase of your life begins. At this point in your life, women don’t care how much you “could” bench press, the fact that you did 21 shots in one night (and lived to tell about it), or that you almost won the state championship in 2004. They want a man who has control of their finances and has a plan in place. They want a financial stud."

While we don’t have an Orange crystal ball, we do expect the economy to remain fragile through 2009. The best course of action for our Customers is to be disciplined: avoid splurging; identify and cut out unnecessary expenses and save for what’s essential; and hedge against those tough times. We can all benefit by developing good spending habits: confront – and cut up – credit cards; use your home as a savings vehicle – not as an ATM; and establish and contribute regularly to an IRA or 401(k).

WOW.

• Be disciplined
• don’t splurge
• cut unnecessary expenses
• save for essentials
• CUT UP CREDIT CARDS
• contribute regularly to IRA

They aren’t trying to convince me to get a home equity loan. They aren’t trying to sell me a credit card. They are encouraging me to get out of debt, only buy essentials, and pay with cash. I might have to consider switching all of my accounts over here.