Times may be tough, but the holidays are approaching. What are you going to splurge on this year? In the past “luxury” might have meant a fancy TV or vacation. What does it mean this year? Something simple, or are you going all out?

Health care reform looks different to each person — because health insurance options vary so much for each family.

We want to know about your health plan. If you have it, how much do you pay and what do you get for it? Is it a good plan for a reasonable amount, or do you pay a fortune for what is essentially catastrophic coverage? What does reform mean to you?

If you don’t have it, what do you do instead? Do you not visit the doctor, or do you find physicians who will work with you? Have you had success negotiating costs?. What could you pay/be willing to pay for insurance? What does reform mean to you?

Tell us your story — or the basics — and a reporter could contact you to discuss your situation for an upcoming story on CNNMoney.

Have you purchased a home using the $8,000 first-time homebuyers tax credit? If so, we want to hear about what you bought and how the credit impacted your shopping and decision. Post your comments below, and you could be part of an upcoming story on CNNMoney.

Have you retired to your dream place within the past three years? Or are you getting ready to do so? If so, we want to know where you moved (or stayed) and why you chose the area. Tell us your story below, and you could be part of an upcoming CNNMoney/Money magazine story.

Do you work for minimum wage? How do you make ends meet? Will the increase in the minimum wage help you? Or will your employer be cutting back positions to make up for the extra costs?

Tell us your story, and you could be part of an upcoming article on CNNMoney.com.

Ponzi scheme mastermind Bernard Madoff was handed the maximum sentence of 150 years in federal court Monday after he offered a public apology to the victims of his massive fraud. At 71, he’ll probably never see the light of day, but is that enough in light of his staggering crime? What kind of sentence do you think the judge should have issued?

Have you applied for a loan modification or refinancing under the Obama administration plan? Did you run into roadbloacks or were you able to get a lower monthly payment and avoid foreclosure? We want to hear your experiences.

Are high oil prices a good thing, as they signal a recovering economy? Or will they snuff out any rebound? Post a comment.

Have job cuts at your company left you with more job responsibility but no additional compensation? Have you been doing the job of two or three people? Are you feeling burned out at work? Post a comment and tell us how your job has been affected by layoffs.

Back to story.

Is $12 an hour a decent starting wage? Would paying more be too much of a burden on U.S. companies, or are they placing the burden on U.S. workers?