I agree about 2023, and from a personal perspective and broader perspective also; some people and countries will have some tough times, including Australia where the cost of living is rising very quickly. I guess all we can do is plan, deploy and then adjust and adapt to what arises.
Also, without challenges, what life would be like, right?
Agreed. The challenges I've faced in life have brought results, forced me to do things I might not have otherwise. Adversity brings opportunity yes?