It’s coming to the end of Q1 2023 and already looking like an intense & painful year. There are a few major life expenses this year that I’m in the process of dealing with. I couldn’t spread them out over the next few years because they somehow all got squeezed together at the same time. I have been selling my profitable stock positions the last few months to raise the cash needed. But the liquidity drain was just too much and I had to take on personal loans to manage. A bad move when the interest rates are so high but a necessary one for the sake of my family. In addition to my big housing loan, I’m even more leveraged up than before. So any further interest rate increases is going to put more stress on my monthly repayments. In the midst of the current banking crisis, I’m...