All right, deep breaths, everyone. The holidays are approaching. But listen, no need to panic,

because here's a quick reset to get your mind and your money in the right place before all

the busyness begins. So we're going to talk about five yeses and five

nos for me this holiday season. All right, make sure to like, subscribe, and show this episode with a friend.

All right, some of these you might relate to. Some of them, maybe you disagree with me, which is totally

fine. But here are the five knows, but I'm going to take in to the next two months.

Number one, no to using debts through the holidays.

Yeah, you knew that was coming.

But listen, it is not worth it.

It's not.

I know sometimes we feel like we get in a bind and we're like, oh my gosh, we have to, you know, buy things.

Maybe we don't have as much money saved for what we want to spend.

And you're like, don't worry.

I'll just worry about that later.

And then later comes, and your December you was like, why did you do that in November and December? You're like, I know, why did I do that? So you want to set yourself up well for the

future. So in the moment, just say no to debts. Maybe that means you create a budget.

If you need to use every dollar, it's a great budgeting app.

Whatever it is for you, get in a place and in the mindset and with your money to say,

I'm not going to go into debt this holiday season.

Hard pass.

All right.

Number two, no to feeling obligated to go to every single event that you're invited to. Listen, Dr. John Zoloni always says

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