The holidays are here! It's a joyful time full of delicious food, gift-giving, and debt!  It's an uncomfortable topic, but with the help of financial expert Nicole Lapin, Brian, Sharna, and Randy are each confronting their relationship with money ... from living paycheck to paycheck to stressing over savings, and in the case of Randy, growing up around money but never learning how to manage it. The talk gets even more real when Nicole asks Brian and Sharna if they are getting a prenup.  Plus, Nicole shares her 12-step program for getting your finances in order, tips to set your kids on the right financial path and how to find the sweet spot between spending and saving.