As the year winds down but financial requirements for year end increase, Jim and Matthew found the ability to satisfy the most pressing needs during the re-instated Covid lockdowns a little too daunting to get the next episode properly recorded and produced, so for a great refresher on gratitude and the reason for the program’s success in the first place, here’s a little holiday greeting followed by the very first episode of Financial Sobriety. And if you haven’t sent your gifts by now, “Financial Sobriety” the book is available on Amazon today! For more information about Financial Sobriety visit www.