Debt has become a part of who we are.
You've got to tell your money what to do or it will leave.
If you will live like no one else, later you can live like no one else.
Christmas is about giving. Be outrageously generous. Have fun, enjoy the process....then keep it up all year.
I'm not against people having new cars. I'm against them having you. We spend a tremendous amount impressing somebody at the stoplight who we'll never meet. It makes you broke and keeps you broke.
Debt is dumb. Cash is king.