In a time of increasing financial pressures, deciding what and how much to give your loved ones can be a thorny issue. This holiday season, 65% of adults say it's "nearly impossible" to know how much they can safely spend, according to a recent survey of more than 2,000 adults by Beyond Finance . "People feel torn between wanting to create joy and the guilt of knowing they can't afford it," Erika Rasure, chief financial wellness advisor at Beyond Finance, said in a press release. "When cultural