The introduction of online brokerages has brought democracy into the investing game. Now people can invest money in a long list of assets and in various markets with just a few clicks and several hundred dollars to spend. Two decades ago, people who wanted to invest their money needed to hire regular brokerage firms, which charged expensive fees for their mediation between buyers and sellers.

So you barely survived the gauntlet of Christmas shopping and holiday spending. What now? Do you buckle down to pay off the newborn mountain of credit card debt you acquired and then forget about the existence of Christmas until the next time social media warns you of this year’s Yuletide period?