Expert Tips for Stress-Free Christmas Shopping on a Budget

A personal finance coach is warning about the potential financial pitfalls of Christmas shopping this year, citing inflation and the high levels of holiday debt from last year. The coach advises people to refuse to participate in gift-giving if they are worried about affording it, emphasizing that children don't remember who gave them gifts and that most gifts eventually become garbage. The coach suggests prioritizing experiences over material gifts and encourages investing money instead of spending it on presents.