Last night while playing Putt-Putt with Lindsey, I heard a radio ad over the loud speaker that went something like this:

In debt? Variable mortgage rates got you down? Then call us today to find out how to pay off all of your debts, including your home, in less than fives years, without ever increasing your payments or income!!! The “Debt-To-Wealth System” has already begun working for home owners in your area [insert bogus, bad acting customer testimonials here].

Why didn’t I think of that!?