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Make sure all the light is on the house and in the house. anna, say something else. >> laser. brian, thank you. it's the most kwond full-time of the year and the most expensive too. according to the national retail federation, the average american will spend more than $800 this holiday season. what's the best way to budget? >> joining us is personal finance expert rachel cruz. good morning and thank you for being with us. >> good morning. thanks for having me, anna. >> it's time when the credit card debt goes up for a lot of americans. how do we plan our budget and prioritize our gifts around ...

More violent than ever filled with more hate and ignorance and fear than ever. i also want to put up this poll by cnn and orc in which it asks about race relations under obama. 45% of whites believe they're worse, 26% of blacks believe they're worse. most believe they're the same. is there -- no one is blaming the president but was that expectation set and now there's some correlation between the election of the president a and the way people feel about race relations? >> i think it was a beautiful multicultural, multigenerational movement that made barack obama happen in 2008, the same kind o...