Across the United States, consumers are continuing to spend, but they’re not opening their wallets too wide. Joining us are McKinsey partners Colleen Baum and Tamara Charm who say retailers that offer personalized promotions, same-day delivery, and “buy now, pay later” plans are more likely to capture cautious consumers’ holiday spending. Learn more about US consumers’ holiday shopping behaviors and expectations on this guest episode of the McKinsey on Consumer and Retail podcast, hosted by Monica Toriello.  See www.mckinsey.com/privacy-policy for privacy information