Many people think of Christmas as a time of giving, but we want to be wary of over-spending and growing indebtedness. Data shows that the American public is wallowing in debt. Because the banks have grown increasingly stringent with loans, instead of taking out second mortgages like they did in the mid 2000s, consumers are currently borrowing on credit cards at super high rates. Credit card debt is now at a 30-year high, and the debt level is looking dire. Join us as we discuss how to get out from under seemingly insurmountable debt burdens and shift your thinking from borrowing and spending to saving and giving.