We live in a most-generous nation. In 2019 -- the last year records were reported -- Americans gave nearly $450 billion to worthy causes. Much of that philanthropy occurred between Thanksgiving and the end of the year. The same will hold true now. It is NOT too late to make a difference. This episode, featuring Stepp & Rothwell Principal Advisor Todd Ericson and Truman Heartland Community Foundation President and CEO Phil Hanson, discusses giving and the personal, civic and economic benefits to your generosity. As well, with the CARES Act, there are unique giving opportunities that expire at the start of the new year. There is no better time to give than now.