7 secrets retailers don't want you to know

Today's??retailers have uncovered the science behind shopping. Your favorite mall stores actually hire such retail researchers as Paco Underhill, author of "Why We Buy: The Science of Shopping."

Underhill has tracked hundreds of thousands of shoppers to study how they shop. "There is nothing random about how a store is arranged and designed. It is carefully calculated to appeal to you in every possible way," he says.

"The stores have a plan, so you should, too," says Dave Ramsey, best-selling author of "The Total Money Makeover" and host of a syndicated financial talk show on the radio.