Happy holidays, a prosperous new year, and a warm welcome to 2023. I’m sure the majority of you will hope it’s not like 2022 when most investors will have lost money for unknown reasons. — Well, pretty much everything fell apart, including equities, bonds, real estate, and cryptocurrencies. Note: If you love reading my work and want to support it, consider becoming a Medium member. You may read as many stories as you want on Medium for $5 per month. …