With just a few days left of 2018, most of us have shifted our attention to the holidays. Many companies (excluding retail) practically shut down between Christmas and New Year’s. A lot of people take vacation from their jobs toward the end of the year so they can travel to see family or catch up on last minute holiday preparation. It’s almost like we’re all living in a frost-covered snow globe, insulated from the “real world” where credit card bills don’t come due until “next year” and life revolves around the frantic rush to buy gifts, wrap presents, and make everything absolutely perfect for the holidays.