Start saving late? Maybe it's time to evaluate WHERE you'll retire. One recent study showed that several beautiful places are also inexpensive enough that maybe your social security check alone can allow you to live a life of grandeur (or close). Plus, in our second headline, who's going to go cheap on this year's holiday gifts? A new survey shows that the people who spend more might not be who you'd immediately think. All that today PLUS a our Big Idea segment where we send you home with an overarching idea that combines both of today's headlines. Have fun listening!