A Certified Financial Planner can help you create a plan to turn small holiday savings into a "freedom fund" for your future. Presents should come from the heart and not be an expectation, especially if it is going to put you in debt.

"The Ramsey Show's" Rachel Cruze explains why getting ahead on retirement savings, making the most of your company's 401(k) plan and not delaying Roth IRAs can lead to millionaire status.