“The family basically lives on my father-in-law’s salary. This year for Christmas, my mother-in-law opened her gift from my father-in-law and read a note he wrote about how all year he took a little bit of her paycheck and moved it into a separate account for her and accumulated 5k with interest through the year. The note also said that she could go and do whatever she wanted with the money, including putting a down payment on a car that she’s always wanted but never had enough to be able to afford if she chooses. Not only was my mother-in-law in tears after reading the letter but now she’s talking to me about how much she can save in future years and how she can continue to make the right financial decisions in the new year.”