"I remember this day.... Hearth's Warming Eve.... many years before Money Hungry and I formed our business."
"Yes, Icy Heart. This is the day in which you found about your love."
"Mr. Jolly Holiday! Sir!"
"No one can see or hear us, Icy Heart."
The spirit and Icy Heart sat watching the eve from the miser's past.
"Icy Heart.... can I speak to you alone?"
"Of course, sir."
Icy Heart and Jolly Holiday walked over to the corner where the two from the future stood.
"Icy, my lad. I fear my time here in Equestria grows short. The doctors tell me I have no more than two to three more months before I shall pass on."
"S-sir.... I don't know how we will live without you. You've been our mentor, our friend. There is nothing we could have done had it not been for you."
"Be that as it may, there is nothing I can do. Come spring, I will be dead. But, we must not speak of such things now. It is Hearth's Warming Eve. What I called you over here is something to tell you. Lad, you and Money Hungry have always been like sons to me. It is for this reason that I leave you both one final Hearth's Warming Gift. I am renaming the business to 'Heart & Hungry BitLenders' and leaving it to you both."
"S-sir... I....I..."
"Just promise me you will remember your roots. Not those of your childhood, but rather those you've learned under me. Always be generous and never greedy."
"I will sir."
"Good. Now, get back to having your holiday. I will tell the same to Money Hungry."
"Th-this is also the night I met her....my true love." the future Icy Heart said.
A beautiful young mare walked up to the young Icy Heart.
"Hello. Happy Hearth's Warming," she said, "my name is Natural Beauty."
"Happy Hearth's Warming. Would you care to dance?"
The two danced the night away, and Money Hungry left without saying a word.
"A few years later, we got married. Then.... years later....she left me."
"Yes. On Hearth's Warming no less. She said you were not the pony she married."
"It...it is painful to remember this. T-take me home spirit."
"As you wish."
Icy Heart woke up in his bed, cold, with the window opened. He got up to close it, muttering that it was all but a dream.