Jo Panuwat D / Shutterstock.com Key Points Americans are projected to spend $1,595 on average this holiday season. 45$263B nationwide. The average credit card interest rate stands at 21.39%. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. Finance expert Suze Orman had some important commentary about New Year's Resolutions that everyone should read as 2 ...