Hello, Wine Abbers. My name is Jesse Meak. I'm with another episode of the Wine Ab podcast

where we teach you four rules to help you stop with a paycheck to paycheck, get out

of debt and save more money. Y'all know what time it is. It is time. First of all, it

is time too. Take a look at that Christmas or holiday, whatever you name, your category,

whatever little emojis you have a little Santa hat emoji in there, a reindeer if that

emoji exists, if it doesn't, it should. Whatever you've got in there to remind yourself

of the holidays and fun it up a little bit. Well, look at that category of balance.

And if you've floated the whole thing with cash, I shouldn't even say floated, if you

just nailed the whole thing with cash, my Santa hat goes off to you. Now, if you did not,

this is the time to start. We are two days post holidays. And that means you have about

as much time as possible to monetarily, financially prepare for 2022. Now, I don't want to be a

downer or anything, but there's nothing downer asked about this. When it's fresh on your

mind, all that spending where you're looking at your kids buried in a pile of gifts and

you thought you were being, quote, unquote, reasonable, now you can say, okay, honey, all

right. I'm going to take a few notes. This is what I do actually every year. I take notes

and it pops up at resurfaces in my little to do app around. I think I do October 1st.

It pops up and says, hey, here were your thoughts from last Christmas. So I'm reminded around

the time where decisions will start to be made. And I'm reminded of things like, hey, it

was plenty. Don't worry about that stuff like that. A little tactical notes, you know,

like how to do this for that thing or, hey, this would do, you know, we could do this better

here or gosh, this was a waste or whatever. You know, notes, feedback, critique, I'm

critiquing Mr. Kringle himself. Okay. So that's one thing you can do. But in your retrospective

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