Dr Boyce Watkins explains Christmas overspending and how to fix it.

Dr. Boyce Watkins is a Finance PhD and founder of The Black Business School, an institution that has helped millions learn to invest, build wealth, and strengthen their families. As the author of The 10 Commandments of Black Economic Power, he has become one of the nation’s leading voices on Black wealth, ownership, and economic empowerment. Through his podcasts, daily classes, and nationwide events, he breaks down financial principles in a practical, culturally relevant way that helps everyday people become investors, not consumers. His mission is focused on building strong Black families, creating generational wealth, and elevating economic intelligence across the entire community.

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