all the money managers are predicting a market recovery in 2023 with things hopefully looking very good in 2024. Of course, they say that depends on what happens with interest rates as continued increases could cool things down even further and continue the 2022 slide.

January 2023 markets were up 3-4% but January last year was good as well then the bottom fell out.

Looking to retire in 2024, but DAN says I may be broke by then. 🙁