⏱️ millionaireME Minute: The Real Story Behind Black Friday, Small Business Saturday & Cyber Monday

Greetings!

It’s Monday, December 1st, 2025.

Including today, there are 31 days left in the year.

Per the headline above, here’s the uncomfortable truth behind this year’s Black Friday–Small Business Saturday–Cyber Monday trifecta:

Americans are spending more…but getting less.

Total dollars are up, but items per purchase are down.

Prices climbed, yet baskets shrank.

And the gap between spending and affording is being bridged by something dangerous: Borrowing.

More than ever.

BNPL usage hit record levels.

Credit card balances climbed again.

Even basic holiday shopping is now being financed—sometimes weeks before December even starts.

Whether you fall into that camp or not, the takeaway is the same:

Debt never sleeps—and every excuse, financial or otherwise, is a debt you must pay later.

But here’s the good news.

There’s a simple, powerful wealth hack that helps reverse almost any debt challenge:

Make weekly payments toward:

Weekly > monthly.

Why?

Because momentum loves frequency.

And when you make money move every single week, three things happen:

You outpace interest. Less accrues because you’re reducing the principal sooner.
You rewire your brain. Wealth becomes a rhythm, not an afterthought.
You build capacity. Paying yourself becomes normal—not heroic.

This is how you shift from “I hope things get better” to “I’m making things better.”

This is how you avoid being one of the households overspending for the holidays while under-saving for their future.

And this is why, inside millionaireME, we preach a simple principle: Pay yourself now so you can buy only what you can afford later.

Because financial freedom isn’t about avoiding spending—It’s about avoiding regret.

CTA: What’s one weekly payment you’re willing to start this month—toward savings, investing, or debt payoff—to change your financial story in 2026?

millionaireME | Happy • Healthy • Wealthy • Wise

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