One of my favourite movie franchises was Jackass. In this movie, a bunch of clowns basically do crazy stunts and someone records the reaction of the crowds who get to witness it. Some of the stuff they do is tremendously anti-social. In one episode, the team actually visited a contractor and took a crap in the toilet bowl that was in the showroom. In another scene, someone urinated on a snowball and then tried licking it like ice cream.

I am ending 2021 like a Financial Jackass.

As I've just gotten my final paycheck, I was able to close the books in 2021.

2021 cannot be a worse year for business as the release from lockdowns reduced demand for financial courses. It does not help that other areas of the economy are forcing more people into this field creating excess supply. I was mentally prepared to lose 50% of my revenue from 2020,