This year, I have already heard too many times that 2024 will be better because: We have more certainty with a change in government. There will be a change in interest rates (decrease). There is a change in tax rates (decrease). But guess what, you and I aren’t making any of those 3 changes. They are being made for us. Think about what you can change in 2024 to have a better year than 2023.

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