It’s no secret—Americans are set to spend a mind-blowing $1.3 trillion this holiday season. But here’s the real question: how much of that spending is driven by guilt, stress, or emotional habits you just can’t shake?

In this episode, I’m joined by Chad Willardson, a Certified Financial Fiduciary (CFF), the President and Founder of Pacific Capital and Platinum Elevated, a five-time bestselling author, and a financial pro who helps 8-9 figure entrepreneurs take control of their money. Together, we’re diving deep into the chaos of holiday spending and how you can finally break the cycle of overspending.

We’ll talk about why guilt spending feels so hard to stop, why experiences almost always beat material gifts, and how to protect your wallet while still enjoying the season. If you’ve ever felt like your finances are out of control during the holidays, this episode is your permission slip to flip the script and start fresh.

What You’ll Learn:

• Why emotional spending takes over during the holidays—and how to stop it.


• The dangers of guilt spending and its long-term impact on your finances.


• How to prioritize meaningful experiences over mindless shopping.


• Practical tips for planning your spending, even last-minute.


• How to use past financial regrets to fuel smarter decisions this year.

LINKS

Chad's website and books

Chad on LinkedIn

Pacific Capital

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