we always say count your blessings, not your money (or you might just end up getting visited by a couple ghosts here and there) this week's all about thoughts on holiday spending, first impressions of an excellent book about personal finance, the joys of christmas movies, and remembering to appreciate the time we have with the people we love while we still have it. whether you die with zero or a hundred, your benevolence will have always mattered most. 🫀 wishing you all happy holidays!