There should be some sage end-of-year financial advice here but let’s be real, there are nine days left in 2020 and I think we’re pretty much over it, yes?

Also, I’m not going to tell you to watch your spending. There’s going to be a lot of that coming next month from multiple publications. Plus, you all know this already and I don’t want anyone to feel bad about their financial situation because we’re all trying to do the best we can.