In this episode, Katrena and Bert emphasize the importance of setting boundaries, understanding cash flow, and creating a budget to manage holiday spending. The conversation explores different spending personalities, decision-making processes for purchases, and the significance of identifying needs versus wants. They also suggest alternatives to traditional gift-giving, such as creating memories through shared experiences and volunteering. They even weave in some NFL and NHL talk! The episode concludes with a fun quiz on holiday shopping and financial tips.