Yet another vintage dose of Dr. Michael from the Stet vault.

(All questions were sent in by readers, all answers were transcribed verbatim from 8-year-old Michael, and all hilarity ensued.)

Dear Dr. Michael,

Signed,
--VisaMan

Ok, VisaMan...that's a good name, I like that...because of the card...that's pretty cute.

Alright, you should only spend money on the things that are important, not like these new things for your television like Picture in Picture. You don't need that. A normal television is just fine. I have a cousin who likes Action figures. Don't get action figures unless they're really important and you have extra money left. Make a list of the things you need. You should be spending your money on food and something to drink. The only time I'd advise you to get a lot of things is before winter. If you have a really bad blizzard, you might not be able to get out and go to stores. Stock up before winter.

Call up the credit card Company and say "Ok, I'm going to make this money, I'm going to work overtime on my job," if you have a job. They'll be ok with that. If they're really mean and say "I want my money now!" You say, "Hey listen, I'll take a note, I'll go out and get the money, but like you say 'wait 4 to 6 weeks for delivery' ok? Don't expect it before that. It's only fair. And no CODs" If necessary, open up a savings account. But only if you're really desperate. If you owe them over $36,000.00 in profit.

Save your money at the end of the week. Spend extra money on stuff you really like. Maybe you like laptops. If you like music, get yourself a recorder, it's sort of like a flute.

--Dr. Michael