✨ MONEY MOMENT

Slow down. Sip your coffee. Relax...
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True wealth isn’t found in chasing more, but in recognizing the sufficiency of what we already have. This season reminds me that richness lives in the present, not just in our spreadsheets.

A dear friend of mine recently lost her mom, and it was a sobering reminder that the people we love are the greatest treasures we hold. As the holidays swirl with hustle and bustle, don’t be so busy that you miss the smells of peppermint and holly all around, the laughter, the warmth. One day, someone you love dearly may no longer be here.

This year, we are blessed to have our oldest son home from military service after five years away. He said that he wanted to put up the Christmas tree himself. During his time away, living in tight quarters around the world, he didn’t have the luxury of a full-size tree. (They were once fortunate to come across a tabletop version.)

Every morning when I turn on the tree lights, it lights me up inside. That tree isn’t just decoration—it’s a symbol of his presence, our love, and the gratitude that fills our home. And now, our other son, who’s still serving in the military, just reached out and asked us to buy a plane ticket so he can come home for the holidays!!!🎉This couldn’t be a better ending to a blessed year.

Friends—one day, these will be the “good ole days” so treasure your family and the memories. That's the kind of wealth that truly matters.

And if this season is hard for you, please know you’re not alone. Reach out to a trusted friend, family member, or a professional who can walk alongside you. Taking care of your mental health is just as important as caring for your finances.

With heart and aloha,
~ Shanalei ~💖🌺

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🪙Financial Fun Fact...

The first🎄Christmas savings clubs at banks started in the early 1900s, helping families set aside small amounts each week to afford holiday gifts without debt.

American families at that time typically spent only a few dollars on Christmas—often between $5 and $25 depending on income. Adjusted for inflation, that’s roughly $150–$750 in today’s dollars, far below the $900–$1,600 average modern families spend on gifts, food, and holiday activities.

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🧺 Budget Bites & Life Hacks

Once again, I am thrilled to share my annual Ho‑​Ho‑H​oliday Budgeting Planner with you, completely FREE.

This is my gift to you, not only to help you survive the holiday season with less stress and more clarity, but also as a huge Thank‑You for being such a beautiful part of this community.

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🎧 On the Podcast

Feeling the holiday pressure? Episode 18 of the Debt-Free Momentum Podcast is your gentle nudge to slow down, realign, and breathe through the season. In this heartfelt throwback, I share practical ways to ease financial stress while embracing the joy and meaning of Christmas. Whether you're navigating tight budgets or emotional overwhelm, this episode offers a moment of peace and perspective.

🎧 Listen to Episode 18 | SIX (6) Christmas Budgeting Tips to Help Reduce Holiday Stress and Stay on Budget | Apple or Spotify ​

And while you’re listening, don’t forget to hit subscribe so you’ll always know when new episodes are released. And if you found value in what you heard, please leave a review to help others discover the Debt-Free Momentum Podcast. Your words might be the nudge someone else needs to start their journey towards living with less financial stress.

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📣 What Else is Happening?

This is it! The last day to grab the Smart Money Bundle — over $1,100 in proven money‑management resources — for $0. After tonight, these tools return to their regular prices. Don’t miss this chance to make the smart money move and claim your FREE access… consider it an early Christmas present for you and your family. 🎁

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