No one is above getting cleaned out on a bad bet. So even if you're just playing poker, you have to know when to say "when." For you die-hard gamers out there, here are a few tips to steer clear of trouble:

You have cash? Really? 'Cause a financial aid check isn't cash, it's a debt. And using that money to gamble is beyond dumb. In fact, college costs more than ever, and any money you have is already needed for books, tuition, food and rent. So consider playing for bottle caps, pennies, anything but your hard-earned dough.

Who wants to look like a loser? That's when your ego will tell you how smart you are; surely you're better than these clowns. And the next hand is your chance to prove it. Easy, now - that's pure ego. Instead, try laughing at yourself for a change. Don't let your ego write a check you can't cash.

To keep yourself from losing perspective, take frequent breaks. You're playing a game. It's only a game. Repeat this to yourself. And remember how great it is not to lose money. Remember the bottle cap idea? If you're not playing with cash, no problem!

If gambling is your primary activity, diversify. Betting on video football games? There are other games out there. Playing too much poker? Try bowling. You won't believe the... gender diversity that's waiting for you beyond the gambling life.

It's that simple. Whether you're angry, depressed or in some kind of trouble, avoid putting money on the line. It's always a bad idea. Feelings change, but money stays gone forever.

If you're going to gamble, set aside only what you can afford for entertainment. That's what's left after paying your bills, buying food and maybe even donating to a worthy cause. (You already live like a king compared to the rest of the world. Giving beats losing, and it even feels better than winning.)