Gift. This month, gifts and gift-giving can seem inescapable. What’s the most memorable gift, tangible or emotional, you received this year?

This year, I received the gift of a second chance. After college, I majorly screwed up my finances and my chances of ever owning a home. My parents gave us a boost we didn’t deserve, and FICO was kind to me. I got a second chance with our house, and I will never forget it.