Happy New Year! 2024 ended with a bit of a whimper, after starting off December on a high with expectations of an early Santa rally. Despite the pullback though, the S&P 500 still ended the year up a whooping 24%. I have no complaints about how the stock market performed in 2024 and the tailwind that provided to our portfolios, both of which were up in excess of 40% for the year. As stocks powered higher, I took the chance to clean up the Family portfolio by selling off the smaller speculative position which finally were at or close to breakeven. As for the Personal portfolio, I started a few new small positions to spread out some risk because of how fast Tesla and Palantir surged. Bond yields continue to climb higher, which have pulled stocks back a bit since the start of 2025. There might be some uncertainty until Trump takes office and maybe even...