The tradition of exchanging red packets is a cornerstone of Chinese New Year, representing a transfer of blessings between generations. For those of us who are “net givers,” the season is a whirlwind of generosity. However, amidst the festivities, a significant opportunity for capital allocation often goes overlooked. While we focus on the act of giving, we must also be intentional with the capital that remains or flows back into our household. All too often, this potential is absorbed by everyday expenses. ...