📈 What Comes After a Good Year in the Stock Market?   2023 was a good year for the stock market, but what comes next?   Good years in the market tend to cluster, and the median return after a double digit up year is 11.4%

🏚️ Buying Home and Auto Insurance Is Becoming Impossible   Insurers had a horrible year of losses in 2023 and are raising premiums in many states by 20%+   They are also leaving high-stakes areas in California, Florida, and Louisiana altogether