Read in Browser It’s November, and we’re getting into what I consider the real “spooky season”: the Black Friday sales, holiday sales, and New Year’s programs. These are the times we’re conditioned to spend. Encouraged to think that this time it’ll be different—that in January you will magically have more time to implement everything that you didn’t have time for this year. But before you make that next purchase, I want you to ask a different question. Most people ask: “Can I afford this?”...