Josh discusses the rise in interest rates, along with the decline in stocks (especially tech), and how that has made many investment vehicles other than stocks far more attractive. Plus, even though inflation is still high, and the Fed is raising rates, a recession isn't inevitable, and Josh thinks we may even be headed for a market rally. Also, Congress has passed the end-year budget bill and Josh addresses the changes in the Secure Act those investing for their retirement should be aware of now.