Welcome, Future Early Retirees.

Have you procrastinated with your Christmas gifts this year? Take a breath. The most cherished gifts often come from the heart, not the wallet. Here's to finding those special, last-minute treasures that celebrate the unique connections we share, without the stress of the rush.

In today’s newsletter:

• Share Money Bags 💰

• Last Minute Gift Ideas

• Things I found interesting

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Last Minute Gift Ideas

The holiday season is a time for warmth, connection, and sharing joy. If you find yourself in a last-minute dash for gifts, remember, it's the thought that counts, not the price tag. Here’s how to gift with heart:

1. Homemade with Love:

• Crafted Goods: Whether it's knitting a scarf, painting a picture, or creating a photo album, handmade gifts carry a personal touch that store-bought items can’t match.

• Baked Delights: Share the love through treats like cookies, cakes, or your secret family recipe. It’s about the joy of sharing, not just the cost.

2. The Gift of Time and Experience:

• Memory Making: Offer an afternoon of your time for activities like a nature walk, a picnic, or a movie night. These moments can become cherished memories.

• Cultural Outings: Give the experience of local culture – a visit to an art gallery, a community theater performance, or a concert in the park.

3. Thoughtful Tokens:

• Personalized Items: Engraved pens, or monogrammed items show you put thought into understanding their tastes.

• Books with a Personal Note: A thoughtful book with a handwritten note inside can mean more than the most expensive gift.

4. Subscription to Joy:

• Wellness Subscriptions: A trial to a meditation app, a craft box subscription, or even a gardening club can enrich someone's life in small, ongoing ways.

• Learning Opportunities: Gift the joy of learning with a subscription to an online learning platform or a language app.

5. Digital Delights:

• E-Gift Cards: Let them choose what they love, whether it's a new game, their favorite coffee shop, or a bookstore.

• Music or Art: Share music playlists, digital art, or photography you’ve created or curated for them.

Remember:

• Balance Tradition with Innovation: Sometimes, the best gifts are those that blend the old with the new – a traditional recipe shared through modern means, or a classic story in a new format.

• Mindful Giving: While I always advocate for financial mindfulness, the essence of gift-giving is the relationship. It's okay to spend a little if it's within your means, but the priority is the sentiment.

In this season of giving, I encourage you to focus on gifts that enrich lives, foster connections, and celebrate the unique bond you share with each person. I hope your holidays are filled with joy, not just from the gifts you give, but from the love and time you share.

Thank you for reading!

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Things I Found Interesting

• Company holiday parties are falling out of fashion

• Temu is the most downloaded app on the US App Store in 2024

• US data has Fed striding toward rate cut next week, and tip-toeing into 2025

• No one wants to own cable TV networks anymore

• YouTube Raises Price on TV Streaming Service to $82.99

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Talk to you all next Wednesday 🙋‍♂️