Jeff Smith of The Retirement Smith outlines simple steps families can take now to reduce stress, avoid holiday debt, and start 2026 financially stronger FREDERICKSBURG, Va. (December 8, 2025) – December is often a challenging month for many families, as they face the holiday gift-giving season, as well as the end of the tax year. The steps people take this month will impact how they feel financially and mentally when January rolls around. The good news is that there are steps that can soften the blow and even help ensure people thrive financially in 2026.  “This month is going to be crucial to whether people dive or thrive when the next year…