Book excerpt: Christmas is coming, and Jack Baker's finances, friends, and future are as gone as last year's holiday. One year ago, Jack Baker had it all-a beautiful family, a lucrative career, and a generous bonus to spend on the annual Baker family Christmas extravaganza. Now the Bakers are homeless and clueless about what to do next. Amidst the holiday traditions and trappings, one family learns what is truly important when they lose all they have and find they have everything.