Summary: Keeping the Hyper-Commercialism of Christmas in Check - Howard and Steve talk about the effect this can have not only on our sanity, but also on our spiritual lives. They also answer calls and emails dealing with church borrowing/debt (and mention the book, "The Debt-Free Church" by Jeff Berg and Jim Burgess), whether it would be a good idea to pay off a car loan with money from a TSP retirement account, the best way to cover long-term healthcare, and whether it's okay to take advantage of tax loopholes to lower your tax obligations.
