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ummary: The word recession elicits strong emotions, but this discussion focuses on the financial aspects rather than the emotional impact. Recessions are a natural part of the economic cycle and have occurred in the past. Prior to the 2020 pandemic, the US experienced the longest period of economic growth in modern history without a downturn, spanning from the 2008 crash to February 2020. Looking ahead to 2023 and beyond, understanding the financial implications of a recession is crucial as economic uncertainty continues beyond 2023.