Dear Readers,

Thank you for coming here! 

At the beginning of the new year, I have been hit in the face by a few things. 

One of them is that further loss from investment came in as my wife did her year-end summary. I was expecting loss, but not this big loss. I will share more in the upcoming Monthly Net-Worth update.

The rest has to do with my own face-losing behaviors…But realizing them is a blessing.

Photo by Matt Hudson on Unsplash

I take it as a sign that I need to be prudent, diligent and keep my feet on the ground in 2023.

I will do exactly that.

I would say this is one of the best openings for the new year!

Till next time!