We roast a duck for the three of us – my wife, our daughter, and me. It started as a one-off experiment, but the flavor won people over fast. This year, my mother even asked for her own.

The big family gathering still runs on turkey. Tradition tends to stick. But anyone who’s tried my wife’s duck knows it’s the better bird.

Even then, the meal isn’t really the main point. The table is. Thanksgiving is about getting everyone in one place, telling the same old stories, and being reminded why these people matter. The turkey is just the excuse.

But that habit – and the predictability of it – is what makes turkey such a powerful business. Millions of families buy the same bird every year, and that annual surge flows straight through the country’s biggest producer.

Seaboard (NYSE: SEB) is a very strange bird. It ships cargo across oceans, trades grain, runs power assets, raises hogs… and owns half of Butterball – the largest U.S. producer of turkey.

Odd mix? Sure. But it works inside Seaboard’s broader protein and commodity business.

Through the first nine months of 2025, revenue rose to $7.3 billion from $6.6 billion a year earlier. Net earnings swung from a loss to $243 million. Operating income climbed to $174 million. Cash from operations reached $380 million.

Butterball’s share flows through Seaboard’s affiliate income, which has delivered $81 million so far this year – helped by stronger turkey pricing and steadier production.

Even with those improvements, The Value Meter looks past the surface and asks a simpler question: Is the stock cheap, expensive, or fairly priced?

Its enterprise value is only 0.97 times its net asset value, far below the peer average of 3.70. That makes the company look cheap. But its free cash flow efficiency tells a quieter story. Seaboard produces quarterly free cash flow equal to 0.61% of its net assets, while peers average 1.18%.

Its 12-quarter record is almost identical to the market: positive free cash flow in about half of those periods. Nothing alarming. Nothing dazzling. Solid, steady, and average.

The stock illustrated that blend for a while. Early in the year, shares drifted sideways. Then the climb began.

On the chart, the summer rise forms a clean upward slope, followed by a quick dip and an even sharper surge into November. Today, the stock trades near $4,560 – its strongest level of the year.

Like Thanksgiving itself, Seaboard is a mix of many things – simple at first glance, complex once you look closer. It owns the turkey brand that will show up on millions of tables this week, yet the business underneath is industrial, global, and built for slow, asset-heavy returns.

The numbers say the stock is fairly priced. You’re not getting a bargain, but you’re not overpaying. For patient investors who prefer durable businesses over exciting ones, Seaboard is exactly what it looks like.

The Value Meter rates Seaboard as “Appropriately Valued.”

What stock would you like me to run through The Value Meter next? Post the ticker symbol(s) in the comments section below.

The post The Thanksgiving Turkey King You Never Think About appeared first on Wealthy Retirement.

At its heart, it is simply the coming together of loved ones around a home-cooked banquet in the spirit of gratitude to share precious time – not gifts – with one another.

This makes it one of the few major holidays that have not been totally ruined by consumerism. (I’m looking at you, Christmas.)

But that doesn’t make Thanksgiving a cheap holiday for American families.

As simple as the occasion may be, these days, it’s becoming increasingly costly to enjoy a Turkey Day feast. While there’s been some relief lately – with food costs dropping 5% from 2023 – the average cost of a Thanksgiving dinner remains around 19% above 2019 prices.

The American Farm Bureau Federation’s data shows that a classic Thanksgiving feast for 10 people now costs $58.08, down from $61.17 in 2023 and $64.05 in 2022. However, this modest decline doesn’t erase the dramatic increases of recent years.

Let’s put things into perspective and consider the nominal cost of a standard Thanksgiving dinner and the “real” (or inflation-adjusted) cost over time.

Looking at the Farm Bureau’s data, while the nominal price has risen to $58.08, the inflation-adjusted cost is around $18.40. This suggests that the real burden of the meal has remained relatively stable over decades.

The component parts that were factored into this year’s survey represent a standard list of “classic” food items, including a 16-pound turkey ($25.67), stuffing ($4.08), pie crusts ($3.40), whipping cream ($1.81), peas ($1.73), dinner rolls ($4.16), and other essentials.

Notably, some items saw significant price decreases this year, such as sweet potatoes (down 26.2%) and whole milk (down 14.3%), while others increased, like dinner rolls (up 8.4%) and cranberries (up 11.8%).

You can be the judge of how accurate it really is. Personally, I think a few items are missing here. (Where are the collard greens, the ham, and the all-important mac and cheese?!)

Though interestingly, the Farm Bureau does track an “updated” dinner that includes ham, Russet potatoes, and green beans, bringing the total to $77.34.

While recent price decreases are encouraging, the impact of inflation remains significant since the beginning of the pandemic. And while some families may hardly notice the changes in prices, others might see a palpable difference in what gets placed on the dining room table this year.

That’s why gratitude should be the true centerpiece on Thanksgiving. It’s not about how much money is spent but the time we spend together.

The post The “Real” Cost of a Thanksgiving Meal appeared first on Wealthy Retirement.

With real estate prices surging nearly everywhere, I asked him how he’s approaching new investments. He told me he’s sitting on the sidelines.

“Everything is going to crash,” he replied. “Real estate, stocks, everything.”

When I pressed him on why he thinks so, he told me, “Inflation is too high, mortgages are too high and unemployment is too high.”

I couldn’t argue with him about mortgages. After years of ultra-low interest rates, a 7.5% mortgage feels very high, especially combined with inflated housing prices.

And while inflation is coming down significantly, our guest still had a point: That decline isn’t providing much relief. Lower inflation simply means prices are rising at a slower pace. It doesn’t mean prices are coming down. (Now, energy prices have fallen recently, but I don’t expect that to last.)

I was stumped by his statement that unemployment is too high, though. There are plenty of things that aren’t going well in the United States right now. Unemployment is not one of them.

The current unemployment rate of 3.9% is higher than the 3.4% rate from a few months ago, but that is primarily due to more people reentering the workforce. In fact, 22,000 fewer people were jobless during the week ending November 11 than during the prior week.

Perhaps our guest was referring to the fact that the number of new jobs being created is dropping. As we came out of the pandemic in 2021, more than 600,000 jobs were being created each month. Last year, the number was 400,000. This year, it’s fallen again to an average of 239,000 jobs added per month, including just 150,000 in October.

So nearly anyone who wants a job can get one, and with wages increasing, workers are getting paid more.

That doesn’t feel crashy to me.

No doubt, shoppers are looking for bargains and for ways to cut spending with prices higher than they were last year. We’ll see soon where holiday retail sales come in. That could be a good signal of the health of the consumer in 2024.

There are a lot of moving parts that affect the economy and markets, but as long as unemployment stays very low, I have a hard time envisioning “everything” crashing. If anything tumbles, I’d expect it to be real estate, as homes are becoming unaffordable for many people.

As a real estate investor, my new friend may be very smart to wait to put money to work. But for stock investors, it’s vital to remember that the stock market goes up over the long term. Timing a crash is impossible.

Now, it’s always a good idea to keep some cash on the side in case the market or some individual stocks you’re watching go on sale. But sitting out of the stock market because you’re afraid of a crash is always a losing proposition.

Let’s face it. On the rare occasions that stocks do crash, there are very few ice-in-the-veins investors who are bold enough to deploy money as prices are tanking.

Lots of people say they’re going to buy when prices go lower, but in reality, most investors are too scared to do so because they’re afraid of further losses. It’s not until stocks have recovered in a big way that they finally feel comfortable investing their cash.

The solution is to not play that game. Since 1957, the S&P 500 has returned an average of 10.7% annually with dividends reinvested. That’s a very solid return and includes many crashes, such as the COVID-19 crash in March 2020, the global financial crisis from 2007 to 2009, the dot-com crash at the beginning of the century, the 1987 crash, etc.

Another way to avoid fearing a crash is to take any money out of the market that you’ll need within around three years. This way, your long-term money will still be invested and growing while the funds you’ll need in the short term to pay bills will be protected. (I recommend putting that money in short-term Treasurys and certificates of deposit, which can earn you more than a 5% return.)

Lastly, some of your portfolio should be in corporate bonds. Today, you can earn nearly stocklike annual returns with a fraction of the risk of stocks.

Having bonds in your portfolio provides ballast when stocks tank. Bonds pay you interest twice a year, and you get your money back at maturity no matter what the stock price of the underlying company is doing. A company’s stock could be down 90%, but as long as the company doesn’t go bankrupt, bondholders will continue to receive interest and will get paid back at maturity.

I’m not worried about a stock market crash at all. But if it does happen, I’ll rest assured knowing that stocks go up over the long term and that the money I need to pay the mortgage and college tuition won’t be affected.

I hope to see this new friend next Thanksgiving to compare notes and see what moves he’s made in reaction to the markets. I know that I won’t have done much.

The post Why We Won’t See a Stock Market Crash Anytime Soon appeared first on Wealthy Retirement.

Thanksgiving is my favorite holiday. With several extended family members having dealt with health issues over the past few years, I cherish the time we all spend together eating incredible homemade food, laughing at old stories and making new memories.

Without a doubt, that’s what I’m most thankful for.

When it comes to my financial life, I also have an awful lot to be thankful for. The fact that I found a profession and job that I love has had a very positive effect on my family’s finances. It’s hard to thrive when you’re just punching a clock waiting for quittin’ time.

I’m thankful that I live in a country that, despite its problems and current divisiveness, still offers opportunities to people who are willing to work hard and take risks – whether that’s starting a new business or investing in an existing one.

I’m thankful that I stumbled on the power of compounding when I was 22 years old.

Back then, I read a statistic that floored me: If I invested $2,000 a year starting at age 21 (I was a year late) and stopped at age 31, I’d have more money at 65 than I would if I were to start at 31 and invest all the way up until 65.

In other words, if I started right away, I could invest a total of $20,000 and end up with more than I would have if I were to wait 10 years and invest $70,000.

That was a real eye-opener, and it inspired me to save as much as I could for retirement as early as I could.

Today, after letting my investments compound for over three decades (with at least another one to go), I can confidently say that was the best financial decision I’ve ever made.

But I would say what I’m most thankful for in my financial life are the lessons that I learned from my parents.

They never sat me down and explained Wall Street to me, and they never went over many other financial concepts. But like most kids, I learned a lot from observing my parents’ behavior.

I grew up solidly middle class. My dad was an assistant principal. My mom was a homemaker until I was in high school.

We never went without – but we didn’t live in luxury either, as many of my friends did. I saw that my parents never bought anything they couldn’t afford.

Their best friends, who are like family (my brother calls them aunt and uncle), are very wealthy. And many of their other friends drove Cadillacs and Mercedes-Benzes.

But my folks never felt the need to try to keep up.

Even though they may not have even realized it, they taught me the value of a dollar and hard work.

And for that, I’m truly thankful.

I hope you have a wonderful Thanksgiving with lots of great food, great people and great stories.

Good investing,

Marc

P.S. What are you thankful for (either in your financial life or in general)? Let me know in the comments.

The post Financial Lessons to Be Thankful For appeared first on Wealthy Retirement.

In it, Matt digs into rising commodity and food costs to help determine the true cost of your Thanksgiving dinner.

We think you’ll enjoy it.

– Rachel Gearhart, Publisher

Ah, Thanksgiving! An occasion to spend time with family and friends, eat and drink to excess, and give thanks for our many blessings, regardless of how large or small they may be.

And, of course, to contemplate inflation!

Each year in mid-November, a former colleague of mine here at The Oxford Club, Anthony Summers, used to write about the price of a Thanksgiving dinner and how it’s changed over the years. But Anthony has moved on to a new position and has other duties.

So this year, that turkey and stuffing feast is all mine (to write about).

First, however, we’ll need to consult the American Farm Bureau Federation. Every year, the fine folks at this organization send out volunteer shoppers to check prices for two weeks at the end of October. They look at the costs of 11 primary ingredients needed to cook a classic Thanksgiving dinner for 10 people.

This year’s survey results came out just last week, and you can find them here.

Here are the 11 products surveyed…

• A turkey (16 pounds)
• Pumpkin pie mix (30 ounces)
• Milk (1 gallon)
• A veggie tray of carrots and celery (1 pound)
• Dinner rolls (12)
• Pie shells (2)
• Green peas (1 pound)
• Fresh cranberries (12 ounces)
• Whipping cream (half pint)
• Sweet potatoes (3 pounds)
• Cubed stuffing (14 ounces).

The American Farm Bureau found that the combined price of these 11 ingredients has fallen from $64.05 to $61.17 since last year, a 4.5% drop. But it’s still 25% higher than the price in 2019, according to the survey, and a big jump from pre-pandemic prices in general.

The Time Price

But really, the best questions to ask here are a) What did that meal cost in time worked? and b) How has that changed over the years?

Why time and not money?

Well, inflation wreaks havoc on prices. It also changes the value of the dollar and its purchasing power and distorts our incomes. And it alters these things at different rates and at different moments in the business cycle, making them difficult to compare.

So a better way to look at the prices of the things we buy and how they change over the years – i.e., how affordable they are – is the time price. This is the length of time the average worker has to labor to afford something.

The beauty of this method is that it takes the money out of the equation.

Because, after all, money is just a medium of exchange between the labor you provide and the goods and services you want and need. Get rid of the money element by valuing things in time worked, and you get a much cleaner look at how much you must work to afford something.

Ordinary prices are expressed in dollars and cents. Time prices are expressed in hours and minutes.

[Note: You can read much more about time prices and why they’re such a valuable measure of productivity and progress in Superabundance: The Story of Population Growth, Innovation, and Human Flourishing on an Infinitely Bountiful Planet. I highly recommend it.]

So how many hours and minutes did the average worker need to work this year to buy that Thanksgiving dinner?

Computing this is simple. Just divide the price of the dinner by the average hourly wage of an ordinary worker. I’ll use the average hourly wage for a production worker in 2022 because that’s the latest data we have. That’s $34.76, according to the MeasuringWorth database, which is probably the most respected data source for historical wage data.

If this year’s dinner costs $61.17, that means the average worker needs to work about 1.75 hours, or an hour and 45 minutes, to afford it. That’s the time price of a Thanksgiving dinner in 2023.

And we can easily compare that time price with those of previous years.

According to the American Farm Bureau, the price of the same dinner in 1986, the first year the survey was conducted, was $28.74. The average blue-collar wage that year, according to MeasuringWorth, was $12.90 an hour. So that worker had to work 2.23 hours, or about two hours and 14 minutes, to afford the Thanksgiving dinner.

That was a lot more work for the same dinner.

(By the way, because I used the 2022 figure for average hourly wages this year, these calculations don’t even consider the 25% wage increase – which is actually 33% when cost-of-living increases are factored in – that the United Auto Workers just won from Ford, GM and Stellantis. So next year, those auto manufacturing workers will have to labor a lot less for their Thanksgiving dinners.)

The bottom line is that despite inflation and changing prices, the average person could work less and spend more time at the table with friends and family this year than they did in 1986.

That’s progress.

The post Is Thanksgiving Dinner More Expensive This Year? appeared first on Wealthy Retirement.

Like many girls her age, she spends most of her time in her room.

So I was pleasantly surprised last week when she announced that she wanted to watch the Macy’s (NYSE: M) Thanksgiving Day Parade together like we have every year since she was very little.

The parade has been held in New York City every year since 1924, and we’ve been watching it curled up on the couch since she was 4.

This year, due to high winds, the balloons had to fly much lower than normal.

This was an appropriate metaphor for Macy’s financial performance.

My daughter asked how Macy’s can afford to pay for the parade. Like the Grinch analyst that I am, I stated, “I’m not sure that it can. Macy’s cash flow is way down this year.”

While my daughter shook off the fact that, like a needle to the astronaut Snoopy balloon, I had potentially popped her dreams of continued Thanksgiving traditions, I began to wonder…

If Macy’s couldn’t afford to pay for the parade, would it also leave shareholders out in the cold when it came to its dividend?

Dividend Safety Starts to Deflate

Macy’s pays a sky-high 9.9% yield thanks to a nearly 75% decline in stock price over the past four years.

It currently pays a quarterly dividend of $0.38 per share, or $1.51 annually.

The retailer has paid a dividend since 2003, cutting it in 2009 during the Great Recession. It raised the dividend every year between 2011 and 2016, and it’s been frozen at the same level ever since.

Except for last year when sales were flat, Macy’s revenue has been slowly eroding, slipping since 2015 to around $24.3 billion in 2019.

Free cash flow has also been dropping. In 2017, Macy’s free cash flow totaled $1.6 billion. Last year, it slipped to $1.28 billion.

About the only positive news is the company’s payout ratio. Macy’s paid out just $463 million in dividends for a low payout ratio of 36%.

Its payout ratio is low enough that it should be able to support its dividend in the immediate future. And importantly – the parade.

But if sales and free cash flow continue to decline, Macy’s may have to rethink its dividend policy, especially considering that the yield is so high.

Dividend Safety Rating: D

If you have a company whose dividend safety you’d like me to analyze, leave the ticker symbol in the comments section.

Good investing,

Marc

The post Can This 9.9% Yield Keep Up Its Tradition? appeared first on Wealthy Retirement.

Over the summer, I assumed she’d no longer be here at Thanksgiving. Instead, she’ll be enjoying herself in full health like everyone else at the table.

Without a doubt, I’m most thankful for that.

When it comes to my financial life, I also have an awful lot to be thankful for.

The fact that I found a profession and job that I love has had a very positive effect in my family’s finances. It’s hard to thrive when you’re just punching a clock waiting for quittin’ time.

I’m thankful that I live in a country that, despite its problems and current divisiveness, still offers opportunities to people who are willing to work hard and take risks – whether that’s starting a new business or investing in an existing one.

I’m thankful that I stumbled on the power of compounding when I was 22 years old.

Back then, I read a statistic that floored me. I learned that if I saved $2,000 per year from 21 years old (I was a year late) to 31 years old, I’d have more money at 65 than I would if I saved $2,000 per year from 31 years old to age 65.

That was a real eye-opener, and it inspired me to save as much as I could for retirement as early as I could.

Thirty years later, that decision, after letting my investments compound for three decades (with at least another one to go), was easily the best financial decision I’ve ever made.

But I would say I’m most thankful for the financial lessons that I learned from my parents.

They never sat me down and explained Wall Street to me, and they never went over many other financial concepts. But like most kids, I learned a lot from observing my parents’ behavior.

I grew up solidly middle class. My dad was an assistant principal. My mom was a homemaker until I was in high school.

We never went without – but we didn’t live in luxury either, like many of my friends did. I saw that my parents never bought anything they couldn’t afford.

Their best friends, who are like family (my brother calls them aunt and uncle), are very wealthy. My folks never felt the need to try and keep up.

Many of their friends had money. They drove Cadillacs and Mercedes-Benzes.

When my dad needed a car, he bought his Aunt Esther’s Oldsmobile Delta 88, which had no power steering or power windows. I’ve been on cruise ships that were smaller and easier to steer than this thing.

Why did he buy it? Because it was a great deal.

I ended up driving that beast in high school (which, believe me, I was very thankful I had a car to drive at all).

My parents saved and invested. They spent money on things that were important to them, like a yearly trip to Florida to visit my grandparents, charitable donations, and putting my brother and me through college.

I never once saw them fight about money or about whether we really needed to buy something. They were in lockstep with each other and presented a united front.

And they always encouraged me to work. I shoveled snow starting at 10 years old, and my dad would let me use his salt to melt the ice.

(I went through a lot of salt. I had practically the entire block under contract for the winter by the time I was a teenager.)

They picked me up late at night from my first high school job when I didn’t have access to a car.

And when I got my first job out of college making $18,000 a year, they let me live at home for free for six months while I saved for a security deposit and first and last month’s rent.

I’ve worked very hard to be where I am financially. But I’m smart enough to know that I’ve been lucky too.

And the luckiest aspect of my life was to be raised by parents who taught me the value of a dollar and hard work, even though they may not have been aware of it at the time.

And for that, I’m truly thankful.

What are you thankful for in your financial life? I’d love to hear it. Please tell us in the comments section.

I hope you have a wonderful Thanksgiving with lots of great food, great people and great stories.

Good investing,

Marc

The post What Are You Thankful for in Your Financial Life? appeared first on Wealthy Retirement.

These readers should feel proud of their efforts. While 77% of American adults believe that everyone can make a difference through charitable giving, only 30% step up and give.

For this reason, while the country grows wealthier, charitable giving has grown only one-third as fast.

Luckily, there are more ways to give now than ever before – and to give of our talents as well as from our wallets.

In our survey, the majority of respondents (92.9% and 79%, respectively) indicated that their giving includes direct financial or physical donations.

(Physical donations might include food, clothing and furniture. They can also include donations of blood or bone marrow to organizations like the American Red Cross and Gift of Life Marrow Registry.)

These are some of the most traditional ways to support causes that you care about. However, there are many other options.

Investors can set up recurring contributions to a charitable trust or even donate stock, real estate or other assets to organizations that they care about.

This has become even easier with the advent of crowdfunding.

Additionally, many of our readers already support others with in-person cash donations and volunteering.

Volunteering in retirement doesn’t only provide support for causes that you’re passionate about. It can also have health benefits, according to the Corporation for National and Community Service.

After only one year of regular service, senior volunteers report decreased feelings of depression and anxiety, as well as enriched social connections and greater satisfaction with life.

In addition, educational and environmental volunteering provide the health benefits associated with regular gentle exercise.

And the variety of causes we can support today is just as diverse as the variety of ways we can give.

When asked to rank their top three causes, our readers ran the gamut.

We discovered that many of our readers were passionate about relieving homelessness, poverty, and hunger, promoting religious causes, and supporting veterans and public servants.

Given Marc’s work in the biotech sector, we were also not surprised to discover that we have a readership passionate about helping patients with advanced medical needs and bringing healthcare to disadvantaged communities.

For this reason, we are excited to share the story of an incredible organization that is bringing critically needed healthcare services to an underserved region of southwestern Nicaragua.

This organization is close to our hearts here at The Oxford Club.

Its dedication to relieving the medical, infrastructural and educational hardships that many Nicaraguans face inspires us daily.

We hope its message will resonate with you as well this giving season.

Click here to learn more about The Roberto Clemente Health Clinic.

Please consider making a donation to support the cause. All donations made before January 1, 2020, will be fully matched by The Oxford Club.

There are more than 1.5 million charitable organizations in the United States alone, and many don’t receive the awareness and support that they need and deserve.

Join us in keeping this special organization – and the thousands of others that share its mission of service – in our thoughts this giving season.

Good investing,

Mable

The post Charitable Giving: How to Support the Causes That Resonate With You Most appeared first on Wealthy Retirement.

There’s a lot to be done before the celebrating begins. There are decorations to put up, desserts to bake and holiday parties to organize.

And don’t forget the most expensive and time-consuming holiday activity of all… shopping.

For most Americans, gift giving goes hand in hand with the end-of-the-year festivities. But all of the shopping and wrapping is enough to make even the most organized person’s head spin.

Don’t worry… retailers are here to help you spend your hard-earned money.

They kick off the annual shopping extravaganza the day after (or in some cases, the day of) Thanksgiving. Retailers lure consumers into their stores or onto their websites by offering steeply discounted merchandise.

We call the unofficial holiday “Black Friday” because it’s supposedly the first day of the year that many retail companies turn a profit.

I’ll admit it. I was one of the hordes of shoppers participating in this year’s Black Friday hoopla. Personally, I love the energy of the experience and the crowds. Plus, it’s always a great time to find a huge sale on an item or two that I’ve had my eye on for a friend or myself.

But here’s the thing, I always have 90% of my shopping done before my family carves the turkey.

I start planning for the holidays in September. By the time December rolls around, nearly all of my gifts are bought and paid for.

While Black Friday has come and gone, most Americans will keep on spending… even if that means shelling out money they don’t have.

Cyber Monday sales start in two days, and there will be dozens of sales tempting you to overspend after that.

Don’t do it. You don’t want to be paying for it for the better part of next year.

Unfortunately, the temptation of discounts is too great for many of us, and that’s exactly what happens.

Last year, Americans exited December with an average of $1,054 of debt according to a survey in late 2017. That’s an increase of 5% over 2016.

Worse, more than half of these consumers said it’d take them more than three months to pay it off. Others said it would take them much longer.

High-interest credit cards accounted for most of the debt last year. The average credit card interest rate is now 15.32%. So floating the extra dollars you spent on holiday joy is going to cost you even more.

Owing those extra dollars can hurt you long into the new year. It can be especially tough if you’re retired or living on a fixed income. By the time you recover from paying it all off, it’ll be the end of the year and the overspending will start all over again.

But the good news is that it doesn’t have to be that way. You still have time to stop the cycle of spending more than you have this year.

Here’s the thing about the most festive time of the year that people tend to forget: You have to budget for it.

Like retirement, you know that the holidays are coming. You also have a good idea of what you usually spend. Making a holiday budget is an easy way to attack overspending. But it works only if you stick to it.

It’s not just gifts you have to budget for. Decorations, cards, postage, travel and holiday foods all cost money too.

You’ll need to make lists of who and what you’re buying for and when.

Breaking down what you’ll buy each week also helps limit the temptation to spend more than you planned because you found a hot sale.

It’s better to give than receive… especially if you’re on the receiving end of credit card debt. Too many of us give and give until we have nothing left to spend.

Be proactive. Set your holiday budget today. If you follow it, I promise that your December will still be merry and bright and your 2019 will be an even happier new year.

Good investing,
Kristin

The post Your Holiday Survival Guide appeared first on Wealthy Retirement.