Every December, people say “it just got away from us” like the holidays snuck up out of nowhere. No – they didn’t. You knew they were coming. You just didn’t have a system, and future you is cleaning up the mess… again.

In this 12 Days of Giving episode, I’m joined by money pro Rachel Duncan to break down how she built a simple, repeatable “Holiday Lessons Learned” system that has completely changed how her family moves through December. We’re talking calendar reminders, “holiday specialness” spending, sinking funds, and a credit-card strategy that actually protects you instead of wrecking you.

We also go deep on future-self psychology – why our brains forget every year, why we treat future us worse than we treat strangers, and how to start seeing “future you” as someone you’re responsible for. If you’re tired of holiday debt, shame, and chaos, this episode is the playbook. Hosted by @stoyhall and the NoBS Wealth / NoBS Collective crew.

🎥 Watch this episode: https://youtu.be/AUn_SwFDK5M

👉 Subscribe to the channel: https://www.youtube.com/@nobswealth

🌐 Learn more about Black Mammoth: https://www.blackmammoth.com/

Chapters

00:00 December chaos and why we always “forget”
00:34 Rachel’s “Holiday Lessons Learned” calendar ritual
01:57 Turning holiday chaos into an annual playbook
05:02 Halloween, summer, and the lie of “one-off” expenses
06:27 How seasonal spending silently blows up your budget
08:12 Creating a “holiday specialness” category that tells the truth
10:26 Using a credit card like a sinking fund (without the shame)
12:34 Annual expenses, squirrels, and saving for future you
15:36 Future-self psychology and why past you matters
19:08 Fixing next year’s holidays (and planning 12 Days of Giving)