If Christmas is a big deal in your house, then you have to manage expectations. Frankly, you have to be “selfish.” If you’re up to your eyeballs in credit card debt, piling on seven grand worth of Christmas presents isn’t going to help.

Bogged down by monthly mortgage payments? Jared shares a little-known strategy for slashing those payments and paying off your mortgage as fast as possible.

You might think you want to get rich fast. It sure sounds nice. But Jared explains why working for your money—and striving to get rich slowly—will do a lot more for your happiness.