Day 3 of the 12 Days of Giving series features financial planner Cody Garrett discussing challenges faced by non-working spouses in family finance, using Susan’s story—a retiree who struggled with her contribution to her family’s finances after leaving her job. Main points include Susan’s guilt over not earning, her attempts to save money and manage investments as a way to contribute, and ultimately the necessity of affirmation in family dynamics. Steve, Susan’s husband, later affirms her non-financial contributions, highlighting the emotional aspect of financial decisions and the importance of recognition beyond monetary value. The advisors emphasize investing in mental and physical health to achieve true wealth, reinforcing the message that net worth does not equate to self-worth.