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Michael Zuber one rental at a time this is your daily financial news and these are the five things that I think you need to know today welcome one rental at a time is a channel dedicated to daily discipline focus in sharing with you stories of people moving forward taking uh looking for opportunity and generally being positive what we have for the first thing though is just a hard conversation 2023 is going to be a year of pain I think it is interesting for us to kind of look ahead and see what parts of the economy might feel that pain the greatest and remember where there is pain there is opportunity where there is great pain there is great opportunity so hopefully you are in a position where you can make moves and take opportunity uh in 2023. first and foremost I think without question the auto market the auto market is where there is a lot of pain and it is right on the cusp of spreading becoming a real issue and again folks it all goes back to Lending lending in the auto market tw