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Have you started your holiday shopping yet? We\u2019re not even into October but major retailers have reason to offer big discounts earlier than ever. Some experts say: buy now to save but some also caution about a couple of things to keep in mind before you do.

Today\u2019s guests are helping to explain it all \u2013 from why retailers are forced to offer promotions so early this year, to what products are best to buy now, and which you might want to wait on.

First up, smart shopping expert Trae Bodge comes back on the show to break it down. Then we\u2019ll hear from analyst Mickey Chadha, a vice president and senior credit officer at Moody\u2019s Investors Service, who specializes in the retail industry.

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