nobody wants to get depressed. and why you start off 2022 by lying to yourself saying that you re going to go do something when you know you are going to break it pretty much within the first couple of days or weeks? if anything, if we have learned anything from the last year or two, it s don t expect anything to happen. don t set goals, just when you think you know what is going to happen, it s not going to happen. a week ago i was hanging out with 500 people here in new york city. now nobody will even look at each other in new york city anymore, because we are scared about covid. so don t get your hopes up. at all. okay, so here s a tip heading into the new year, tip more. a poll from credit card.com finding that most u.s. adults are planning on doing just that this holiday season tipping service providers 20-$50 on average. so abby, a good idea, especially given the challenges businesses have faced this year? what do you think? absolutely. everyone has had an extremely