Welcome back to the show! In this episode, Steve discusses what it is like to try to take the financial literacy you have been developing over the years and preserve it through the holidays. Now, a person might think that since they have been working very hard, they should be able to get through the holidays without any issues. Those people are making a mistake by underestimating "the holiday spirit." Join Steve during the show and find out what a financially literate person can and should do during these festive times of gift-giving!