Holiday debt could make January a stress test for markets [https://www.thestreet.com/.image/t_share/MjIwMDkxOTA4OTAxMzgxOTk3/gettyimages-1216167852.jpg] Holiday debt could make January a stress test for markets Several under-the-surface shifts are setting the tone for the year ahead. [https://www.thestreet.com/crypto/markets/holiday-debt-could-make-january-a-stress-test-for-markets-]