ashley: advice on how to cope with inflation includes spend your paycheck right away. the author says you will own nothing and you will be happy. i guess that s right. i mean, the financial news outletten occurrings americans to spend paychecks right away and borrow lots of money. who is giving this advice. they noted further increases in spending and borrowing would lead to inflation far above the current u.s. rate of nearly 7. carley: after losing both parents to covid-19 in a new york nursing home, janice dean s sister-in-law is giving back this christmas with operation gifts for seniors. ashley: janice dean and donna johnson join us now with more. first off, ladies, what a great thing to start. it s all her. you re such an amazing person.