I love my family, but I’m broke. Between inflation, rent, and student loans, I literally cannot afford to buy $50 candles and sweaters for my cousins and aunts this year. I suggested a "No-Gift" policy for the adults in my family—just good food and hanging out—and got some mixed reactions. Some looked relieved, others looked offended. Am I being a Scrooge, or is this just financial survival? How do you tell family you can't afford Christmas? #ChristmasOnABudget #FrugalLiving #UnpopularOpinion #HolidayStress #NormalizeNoGifts #MillennialMoney #FamilyDrama