In this episode of the Motley Fool Money podcast, the hosts dive into the recent market dip following Christmas, explore consumer trends for 2025, and discuss Alphabet's AI initiatives. They point out the absence of the usual "Santa rally," linking it to year-end tax loss harvesting and ongoing economic uncertainty. The conversation also addresses a divided consumer landscape, where those with higher incomes are doing better while lower earners grapple with rising credit card debt, highlighted by a staggering $46 billion in delinquent balances written off in the first three quarters of 2024. To wrap up, the hosts share their personal New Year's resolutions, stressing the importance of building routines and reducing impulsive investment choices.