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Year. is it okay to put an extra 500 on my credit card so i can make sure everyone gets a present? dave, you know i don't have to tell you, so many people will be putting the presents on the credit card that they can't necessarily afford. is that okay to then pay it out over the rest of the year? >> i've been doing this for 20 years. i talk to people in may who are still paying on christmas. that's happened 20 times in my life as i've been doing financial counsels. yeah, it's okay, it's not against the law, but it's stupid because you're living your life with all of your decisions chasing you....

You, too. i want to read you e-mails viewers sent in about how worried they are this year about not being able to give their kids and their friends presents. here is anna from los angeles. this has been a tough year financially for us. we won't be able to give our kids very much. how do we explain this to our ten and six-year-olds? what advice do you have for anna? >> you know, it's interesting that a lot of people who grew up in a lower middle class or even what we would classify as a poor household didn't know they were poor. and so it has to do with the parents' attitude about as much as an...