Wait! I'm What Level of Christmas?!

If money stress shows up anywhere in the year, it shows up at Christmas. Not because it’s is expensive — but because most families don’t match their holiday season to their financial reality.

At TMAP, we teach families how to build wealth, reduce stress, and take control of their money. Christmas is no different. Here are the three levels — and how to choose the one that actually fits your financial lane.

1. Poverty Game Christmas — Up to $3,000

This is a simple, stress-free, local Christmas.

No flights.
No big hotels.
No “Instagram pressure.”
Just family, food and fun — within a responsible budget.

Budget: $3,000 max
Weekly saving (over 13 weeks): ~$230/week

And here’s the truth: most families playing the Poverty Game need to aim below $3,000 — because this is the stage where discipline matters more than comfort.

You’re not punishing yourself. You’re protecting your future. The Poverty Game isn’t forever — but overspending keeps you stuck in it longer.

2. Comfort Game Christmas — Up to $10,000

This is the level where things start to open up.

Domestic travel.
Getaways.
Nicer meals.
Moments that feel special — without putting you in financial danger.

Budget: $10,000
Weekly saving (over 13 weeks): ~$769/week

This Christmas feels great and keeps your momentum strong. Families in the Comfort Game often have good income, some savings, and a clear plan — but they’re still building. Still growing. Still leveling up.

The key here is moderation. This is how you enjoy the holidays and stay on track for your long-term wealth goals.

3. Wealth Game Christmas — Up to $20,000

This is the bougie Christmas.

Overseas.
Resorts.
Business-class energy.
The “we made it” Christmas.

But — and this is absolutely critical — you only belong in the Wealth Game if your assets or business are paying for it.

Not your wage, your savings, your credit card. If the cash isn’t already sitting there — comfortably — this lane is not for you yet.

The Wealth Game Christmas is reserved for families whose assets fund their lifestyle, not families still trying to build them. Because at this level, festivities don’t set you back — it’s simply another expression of the life you’ve built.