What if the holiday season exposed the financial habits you overlook all year? In this episode, Ryan Moore dives into the realities behind gift cards, Roth timing mistakes, Social Security uncertainty, and how market volatility affects unprepared retirees. From last‑minute tax planning to the psychology of waiting too long, the conversation highlights the importance of intentional decisions before the year ends. It’s an honest, energetic look at the choices adults face as they juggle family, finances, and the pressure of December.

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