Here is our smart question for today:

22% of people will tip one of their service providers this holiday season with this. What is it? Your hint is it’s not cash and it’s not a gift card.

The answer is homemade food.

Both Leslie and Jan agree that they’d rather have the cash or the gift card, especially since the pandemic!

Did you tip a service provider? If so, with what? Let us know in the Facebook comments!