Summer is over, fall is in full swing and, yes, the holiday shopping season is upon us. I know—where did the year go? With all this in mind, I have the perfect topic for today: If you do not want to destroy your budget and wrack up a lot of debt, listen up to learn how super savers roll, and you should do what they do. Also, for the past several weeks I have been inviting you to submit questions you’d like me to answer on the podcast. You have responded with some excellent questions, one of which I will answer on today’s podcast: Should you borrow money from your 401(k) to get rid of your credit card debt? Listen up: You may not have asked the question, but chances are, you will be helped by the answer.