As we head into the beginning of much colder weather, I want to be sure you are prepared to save more, earn more, and live more abundantly! That’s why today I have:

• Last minute gifts that aren’t a gift card
• Exclusive offer for podcast listeners from CreatePhotoCalendars.com
• My interview with Mike Aiello, Sr Director of Creative Development at Universal Orlando Resort about Christmas at Universal
• Cold weather buys at a fraction of the cost from Swap.com