No matter where you are financially—whether you’re building from the ground up, stabilizing after setbacks, or celebrating milestones—gratitude has the power to transform your perspective.

When you pause to appreciate what’s already in your hands, every dollar becomes a symbol of your determination, your progress, and your possibility.

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✨ MONEY MOMENT

This week, set aside some time to focus on gratitude for the financial lessons you’ve learned, the experiences you’ve had, and the growth that’s come from both wins and setbacks. Every challenge has taught you resilience, every success has shown you possibility, and every dollar has carried a story of effort and intention.

Gratitude transforms those stories into wisdom.

It reminds us that our financial journey isn’t just about numbers. It's about becoming stronger, wiser, and more aligned with the life we want to create.

While enjoying your family this Thanksgiving, take some time to reflect positively on the lessons your financial journey has taught you. Your obstacles are triumphs, not failures. Be grateful for the wisdom you’ve gained and the time you have with loved ones, because 2026 is your resurgence, the year clarity turns into confident action.

And to help you take that wisdom and turn it into powerful progress in 2026, I’m re‑shaping my signature Clarity Calendar Program so it’s more attainable, while keeping it just as powerful. Think streamlined tools, clearer pathways, and built‑in accountability that make financial clarity feel simple, not overwhelming. Because the point isn’t just “budgeting for budgeting’s sake.” It’s about knowing what’s ahead so you can make confident decisions, not guesses.

Here’s how the new journey will unfold:

• Foundations — A DIY program designed for independent learners who want clarity without complexity.
• Accelerator — A guided upgrade for those who want accountability, community, and live support to stay consistent.

✨ Be on the lookout for upcoming announcements in early December about Clarity Calendar Program opportunities you won’t want to miss…

With heart and aloha,
~ Shanalei ~💖🌺

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🪙Financial Fun Fact...

Did you know the ancient Greeks were the first to connect coins to everyday markets? Before them, coins were mostly controlled by governments and elites. By opening coin use to ordinary people, Greece empowered citizens to trade freely, fueling art, culture, and democracy.

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🧺 Budget Bites & Life Hacks

The Black Friday Envelope

The holiday season has a way of stirring up both joy and pressure, from family gatherings to endless sales. But before the noise of Black Friday and the bustle of December consumes you, pause.

You're used to cash envelopes, but have you thought about one specifically for Black Friday? If not, it's probably not a bad idea to set some boundaries before the shopping frenzy is in full force.

What could a Black Friday Envelope look like? Set a fixed spending limit in cash, on a prepaid card, or in a digital envelope system like Qube Money. When the envelope is empty -- you’re done. This simple boundary keeps your spending intentional and helps you resist the endless scroll of flash deals and limited time offers.

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🎧 On the Podcast

Episode 71 | Holiday Spending Mistakes That Wreck Your January Budget and How to Avoid the Debt Hangover | Apple or Spotify ​

This week on the podcast, I’m talking about the common holiday spending mistakes that can totally wreck your January budget and how I’ve learned to avoid that “debt hangover” once the celebrations end. I’ll share why it’s easy to overspend, what sneaky money traps I watch out for, and my own favorite strategies for keeping the season fun without blowing through my financial goals.

If you want to go into the new year feeling good about your money and avoid those stressful bills, join me for some practical tips and real talk about how I handle holiday spending differently. Ring in the new year without regrets.

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📣 Upcoming News

Just a quick heads up — the popular and free Smart Money Bundle is coming December 8–13, 2025! It’s a limited‑time collection of quality resources designed to help you sharpen your financial clarity and confidence before the new year. Keep an eye out for details, because you won’t want to miss this opportunity to stack wisdom and savings in one place.

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Did something in today’s message speak to you? I’d love to hear more about it. Your feedback helps me to know how to support you better.