Did you know that according to one 2019 survey roughly 48 million Americans were still paying off 2018’s holiday debt by the 2019 holiday season? Therefore, it shouldn’t be surprising that a more recent survey conducted this year by Goldman Sachs found that 50 percent of Americans think gift-buying is the most financially stressful event throughout the year. So then, perhaps now is the time to make a change, in fact, another survey conducted by Experian “found that 84 percent of people were motivated to improve their finances during the last holiday season”. We’re here to help you do that. Call us, we may have some ideas you haven’t thought of that may improve your income during retirement years. Happy Holidays!