Via McMegan comes a link to Oprah's site, where Suze Orman is offering her "2009 action plan" as a free download until January 15th. Which is today. So go download. Meanwhile, I'm also thinking of becoming a personal finance adviser. Based on nothing at all, I'd long held that I'd begin worrying about investments and retirement accounts and all the rest of it next year. That turned out to be timing so brilliant that it's almost inevitable that I'll get a book deal (Let Laziness Make You Rich!) and a morning show on CNBC. Related: Phoebe Connelly takes a look at Orman's slow political awakening.