#3 just means saying your own bracha instead of being yotzei with the ba’al habayis. I’m not from chabad and I have this minhag too, though we pass the challas to everyone to say hamotzi before they are cut.
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#3 just means saying your own bracha instead of being yotzei with the ba’al habayis. I’m not from chabad and I have this minhag too, though we pass the challas to everyone to say hamotzi before they are cut.