Highlights from this episode include:

• Why children are causing families to go into staggering amounts of debt and how to avoid it in your household (5:36)
• The sneaky reason your tax refund keeps you from getting ahead financially (6:25)
• The “Christmas Every Day” approach that prevents holiday debt (7:58)
• How to spend less but create more Christmas morning excitement for your children (9:00)
• A profound lesson you can teach your kids that will save you thousands during the holidays (11:07)

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