She is poorer than she was last year. Benefits that she grew to depend on are running out this year.

Paralysis from a devastating neurological condition is worse this year. She looks older now. More feeble now. More vulnerable now. But it's not until you talk to her, that you realize she's not much different now.

She's very excited about the holidays.

Unable to shop in malls, she buys on the Internet.

She can't afford much. So she doesn't buy much. But each gift is unique. Each gift actually is funny.

One for a brother -- another for a friend: Both plan to join her this Christmas.

Her luxury are lattes. She says she's famous for them and guests love them. A small treat, she adds. But it's not her lattes that keep her guests coming, or those gifts.

It's her. It’s her warmth and her determination. Her good will in the face of bad stuff.

I was introduced to her through an acquaintance -- an acquaintance fairly sick himself. But he, like she, is sick in body, not soul.

I don't even remember her name. Only that she's going through a very tough spell this holiday season and you wouldn't know it -- even if you asked.

Watch Neil Cavuto's Common Sense weekdays at 4 p.m. ET on Your World with Cavuto. 

Neil Cavuto serves as senior vice president, anchor and managing editor for both FOX News Channel (FNC) and FOX Business Network (FBN). He is anchor of FNC's Your World with Cavuto - the number one rated cable news program for the 4 p.m. timeslot - as well as the FNC Saturday show Cavuto on Business. He also hosts Cavuto on FBN weeknights at 8 p.m. In addition to anchoring daily programs and breaking news specials on FNC and FBN, Cavuto oversees business news content for both networks and FNC's weekend business shows, including Bulls & Bears, Forbes on Fox, and Cashin' In. Click here for more on Neil Cavuto.