Holiday deals feel exciting in the moment, but what happens when the credit card bill shows up in January? In this episode, we break down how much people really spend during the holidays, why Cyber Monday is such a trap, and how marketing and one click checkout quietly push your budget over the edge.

Kelsey and Mike talk about the shift from in store to online shopping, how credit cards changed our relationship with money, and why the average person spends as much on holiday gifts as they save for their entire future in a year. They also dig into the rise of experiences over physical gifts, what 82 percent of Americans say they actually want, and simple ways to build a holiday plan that keeps the fun without the financial hangover. If you want to enjoy the season and still feel good about your bank account in January, this one is for you.

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Produced & Edited by Troy Davis

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