Did you know that according to one 2019 survey roughly 48 million Americans were still paying off 2018’s holiday debt by the 2019 holiday season? Therefore, it shouldn’t be surprising that a more recent survey conducted this year by Goldman Sachs found that 50 percent of Americans think gift-buying is the most financially stressful event throughout the year. As we say goodbye to Christmas and look forward to the new year, let us know if you would like to take a look at some ways to save for 2021. Call us, we may have some ideas you haven’t thought of that may improve your income during retirement years.