Takeaways

You come up with a strategy and it has to start with that spending cap.

People have to be really, really careful this holiday season.

Nobody knows what's going to happen in 2026.

We might even hit what's called stagflation.

This is a completely different pathway than we've ever seen.

All of these things put together trickle down on us.

You have to have a formula beforehand.

Failing to plan here is planning to fail.

This is the most important time.

It's from spending too much money.