Christmas, Finances, and Insurance: Protecting What Matters Most This Holiday Season
Christmas in Hawaii is a special time. It’s filled with family gatherings, shared meals, giving, and gratitude. While the holidays are a season of joy, they’re also a time when we reflect on what truly matters — our loved ones, our homes, and the future we’re building together.
At WSB Hawaii, we believe Christmas is not just about celebrating today, but about preparing for tomorrow.
The holiday season often brings increased spending on gifts, travel, food, and celebrations. According to the Consumer Financial Protection Bureau (CFPB), many households experience financial strain during the holidays due to overspending and reliance on credit, which can carry into the new year if not managed properly (Consumer Financial Protection Bureau, n.d.).
The U.S. Bureau of Labor Statistics (BLS) also reports that consumer expenditures consistently rise during the holiday months, highlighting the importance of budgeting and financial planning during this season (U.S. Bureau of Labor Statistics, 2023).
Financial preparedness doesn’t take away from the joy of Christmas — it protects it. When finances are organized and risks are managed, families can enjoy the season with greater peace of mind.
Insurance: A Gift That Lasts Beyond the Holidays
While gifts bring temporary happiness, insurance provides long-term security. According to the Insurance Information Institute (III), insurance plays a critical role in protecting families from financial loss related to health issues, property damage, and loss of income due to death or disability (Insurance Information Institute, n.d.).
Research from LIMRA shows that households with life insurance are significantly more confident in their financial security and ability to recover from unexpected events (LIMRA, 2023). At WSB Hawaii, we view insurance as more than a policy — it’s a promise to protect what matters most.
The Christmas Message of Protection and Legacy
The heart of Christmas is rooted in care, sacrifice, and protection. These values closely align with the principles of financial planning and insurance. According to the Federal Reserve’s Report on the Economic Well-Being of U.S. Households, families with emergency plans, insurance coverage, and long-term financial strategies are better positioned to withstand financial shocks (Federal Reserve, 2023).
Christmas invites us to think beyond the present:
Are our families financially protected?
Do we have adequate life, health, and property insurance?
Are we building a legacy of security rather than uncertainty?
Giving Peace of Mind This Christmas
This holiday season, consider giving a gift that doesn’t come wrapped — peace of mind. Financial education organizations such as the National Endowment for Financial Education (NEFE) emphasize that proactive financial planning helps reduce stress and improves long-term financial well-being (National Endowment for Financial Education, n.d.).
Reviewing your finances, updating insurance coverage, or starting a financial plan today can make a meaningful difference for years to come. At WSB Hawaii, our mission is to educate and empower families to make informed financial decisions in every season of life.
As the year comes to a close, now is the perfect time to prepare for a stronger and more secure future.
✅ Schedule a FREE financial consultation
✅ Receive a no-obligation insurance policy review
✅ Start your new year with a clear financial plan
📍 WSB Hawaii is here to serve you and your family.
👉 Contact WSB Hawaii today through our website or social media channels to book your free consultation.
Because protecting what matters most is the greatest gift you can give — this Christmas and beyond.
References (APA Style)
Consumer Financial Protection Bureau. (n.d.). Managing holiday spending and avoiding debt.
https://www.consumerfinance.gov/consumer-tools/budgeting/
Federal Reserve. (2023). Report on the economic well-being of U.S. households.
https://www.federalreserve.gov/consumerscommunities/shed.htm
Insurance Information Institute. (n.d.). Why insurance is important.
https://www.iii.org/article/why-insurance-is-important
LIMRA. (2023). Life insurance ownership in the U.S.
https://www.limra.com/en/research/research-abstracts-public/life-insurance-ownership-in-the-u-s/
National Endowment for Financial Education. (n.d.). Financial education and planning resources.
https://www.nefe.org/
U.S. Bureau of Labor Statistics. (2023). Consumer expenditures.
https://www.bls.gov/cex/
