Today is Black Friday. Falling on the day after Thanksgiving, it officially begins the holiday shopping period. Historically a surge of shoppers helped stores break into profitability. But this year, with the deteriorating economy, there have been rampant promotions of up to 70% throughout November. The power of this landmark day for the retail industry may be fading.

The question remains whether people will be spending money on holiday gifts as credit markets remain frozen, layoffs loom and consumer spending shrinks. What will you be doing - rushing out early and putting your credit card to good use? Or staying home, reluctant to even tempt yourself?

Noticing how you react, Sandwiched Boomers, can give you a window into your own psychology. Whether or not you spend money shopping today, it doesn't cost anything to invest in your relationships. So savor the memories of Thanksgiving and enjoy the dividends of family and friends.