Uncertain times

 We can expect a continuation of war and even greater hostilities in the following year. This is what you and I have experienced in the past few years. Covid was supposed to be the end of restrictions and the beginning of something beautiful. But if only…

Things become more complicated. Raising interest rates makes housing affordability a distant dream for most.

The economic slowdown makes job security something you had read in the newspapers in the past.

We all need to adapt and adopt a new mindset.

A more risk-averse mindset. In these conditions, having less debt and a bigger financial cushion is essential. Uncertain times need risk-averse measures!