Every holiday season, Americans seem to break a new record for spending - but this year it's different. Whether you're Grinch-adjacent like Julien or grew up more like Kiersten whose Super Bowl was Black Friday, they've got tips to stop holiday overspending for all levels. It's all about shifting where you spend -- making sure each gift packs a punch, and making more memorable moments rather than making the focus be the gift itself. Changing your mindset of gift-giving and receiving could be the answer you've been looking for. Julien and Kiersten have tips for the best methods backed by statistics.  ---- Learn more at richandregular.com, purchase Cashing Out: Win the Wealth Game by Walking Away by Kiersten and Julien Saunders and follow on Instagram @richandregular.  Leave us a tip! Support rich & REGULAR by rating and reviewing on Apple Podcasts. See omnystudio.com/listener for privacy information.