Holiday consumerism in America has basically turned into a sanctioned debt marathon—maxed-out cards, overflowing landfills, and everybody pretending they're "merry" while quietly freaking out about January. This episode breaks down who actually wins from the holiday spending spree, how much damage it does to your wallet and the planet, and how you can tap out of the madness without turning into the Grinch. There's still a way to enjoy the season, see your people, and keep your sanity—even if Santa feels more like a corporate mascot than a jolly guy with a sled.