Have you started your holiday shopping yet? We're not even into October but major retailers have reason to offer big discounts earlier than ever. Some experts say: buy now to save but some also caution about a couple of things to keep in mind before you do.

Today's guests are helping to explain it all – from why retailers are forced to offer promotions so early this year, to what products are best to buy now, and which you might want to wait on.

First up, smart shopping expert Trae Bodge comes back on the show to break it down. Then we'll hear from analyst Mickey Chadha, a vice president and senior credit officer at Moody's Investors Service, who specializes in the retail industry.

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