Caitlin's CornerWhat Our First “Santaless” Christmas is Teaching Us So FarAs the holidays approach, I know that not everyone in our community celebrates Christmas, and those who do, celebrate in different ways. Our family’s version is a very secular, winter-marking ritual: a way to bring light into the dark season by connecting with people we love, and celebrating the joys that lift our spirits during these cold months. Of course, if you ask our kids, they’d tell you it’s about one thing: waking up to presents under the tree. But this year is different. After some intense midsummer cross-examination by our 9- and 6-year-olds, we finally admitted what they suspected: we are Santa. Their discovery felt bittersweet to me. In one sense, I mourned that huge loss of magic from their childhoods. On the other hand, I thought about the years when Ryan and I worked hard to source, buy, hide, wrap, and ultimately present the gifts in the most magical way possible- all to watch how the kids praised an imaginary old white man for his efforts and generosity. So yea, a big part of me became giddy with relief: that's right kids, we can put that holly, jolly piece of the patriarchy behind us. Now, as we head into our first holiday season with the “secret” out in the open, I’ve been surprised by how much calmer, lighter, and more financially grounded this season feels, both for us and our kids. What I’m learning is that removing the mythical middleman didn’t take away the magic. It simply shifted it into a place where our kids can actually participate in it. Here’s what’s been surprisingly wonderful about letting the real world into our holiday planning: We can have real financial conversations... And they get it. One of our kids has her heart set on a pricey bike accessory this year. In the old days, we might have tried to make it work, telling ourselves “Santa can do anything.” Now, we told her we’d happily cover half, and she could save for the other half before biking season starts. Suddenly, she has a five-month runway, a concrete savings goal, and a sense of ownership over something she really wants. And because not all of Christmas is riding on that one big-ticket item, our budget has room for a few other things on her list. Their wishlists become reality checks, and opportunities for prioritizing. Without the illusion of infinite sleigh capacity, we can talk with our kids about budgets in a way that’s honest and practical. When their wishlists start stretching beyond what makes sense, we sit down and go through them together. We’ve been amazed at how readily they’ll remove items once they realize they’d rather have a few meaningful things than a mountain of random stuff. And we’re relieved we didn’t spend the extra money, or run around town trying to track down things that would’ve been forgotten by the end of January. We can finally talk openly about giving, not just receiving. Each year, our family sponsors others in our community who need support during the holidays. In pre-truth-telling days, we quietly trimmed from our own budget to make room for that. Now, with Santa out of the equation, our kids have real skin in the game. We talked about choosing one item from their own lists to forgo so that we could free up a little more to help another family. They understood (after some nudging) and took the idea seriously. It’s the first year I’ve seen them connect the dots between their choices and someone else’s comfort, joy, and dignity. And that's some fa-la-la-la-long-term financial learning, and compassion happening for those kiddos 😉. Their lists are shorter, clearer, and way more thoughtful. One of my biggest surprises is now that they know these gifts aren't simply manifested out of the North Pole, they’re asking for fewer things- and, the things they’re asking for really matter to them. I’m anticipating (🤞) far fewer “what even is this?” toys collecting dust in the basement come February. I know this can be a tender subject. Every family has their own rhythm, their own beliefs, and their own sense of what’s age-appropriate or meaningful. For many parents, the idea of your kid “learning the truth” about Santa feels like a loss (I get that). If you’re still firmly in the camp of preserving that magic for as long as possible, I support you wholeheartedly. Deck those halls. And maybe tuck away some of these ideas as quiet tools for building financial awareness within the magic. But if your kids are nearing that “aha” moment, or if you’re wrestling with guilt about the whole holly-jolly charade, I hope our experience offers some reassurance. There’s a real, grounded kind of magic that emerges when kids understand the truth: the magic of participating, choosing, prioritizing, saving, giving, and preparing for the real world. Oh, and in case you were curious: our kids know that "Santa" still expects cookies and milk, but since Reindeer are out of the picture, there's no need for carrots. And it's still true that Santa may not come if they're not in bed in time 🧑🏻🎄. Announcing: SheconomyWe're proud to join forces with many other partners in the financial industry to support the launch of Sheconomy, a research-driven model of what the world would look like if women had achieved economic equality 100 years ago. The Sheconomy is a 100-Day Campaign that turns women’s financial power into collective action, one week at a time. Learn more about Sheconomy here. We've joined the 100-day challenge- will YOU? Join us for free the first Wednesday of each month for an informative money conversation!Next Up:Jan. 7 (2026!) - Setting Values-Aligned Financial Goals in the New Year This isn't just another goal-setting workshop! During this next meeting, we'll use effective prompts and scenarios to help you cut out the noise of your day-to-day and get clear on your values and goals. 2025 Year-End Tax MovesIf you missed yesterday's call on year-end tax moves that should be on your radar for 2025, you can catch the replay here. When You're Ready, Here's How We Can HelpTax Strategy Package We’re now offering a Tax Strategy Package where you work directly with us. You’ll walk away with a customized roadmap designed to lower your tax burden, increase your take-home pay, and align your financial decisions with your long-term goals. Wealth By Design If you want to learn more about saving and investing strategies, be held accountable, have your questions answered, and get clear on your unique wealth plan, Wealth By Design might be just what you need. Free Strategy Session If you have questions, but you're not sure where to start, let's have a free call. Our free strategy session gives you the chance to share where you're stuck or curious, so we can guide you through some of your best options. |
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Susan's Scoop When Should You Donate? A 2025–2026 Tax Timing Hack I hope everyone who celebrates is enjoying a cozy and restful Thanksgiving! My older son is home from school for the first time in three months, and I’m so grateful to have our family feeling “complete” again. I’m also celebrating a big professional milestone - I passed my final Enrolled Agent certification exam, which means I can now support clients with more advanced tax strategy and represent them directly in front of the...
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