This special holiday episode deals with a startling revelation of relapse and the consequences of choice. The holidays are stressors, no doubt and coupled with the additional anxiety of separation from friends and family, could possibly cause all your hard work of saving to evaporate. Your hosts, Matthew Grishman and Jim Gebhardt take a different approach in this conversation by examining the options of the pain of discipline or the pain of regret. Perfectly timed for the holiday season, you’ll recognize the practices and appreciate the candor in today’s show. For more information visit And please consider the gift of Financial Sobriety for the holidays! The book is available at the website or on Amazon.