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Hey guys Toby Mathis here. And today were going to talk about three things to avoid in 2023. So let me lay it out real quick. You have right now as the feds and what we call pivot, which means in December of 2022, they slowed down the rate of interest rate increases. And so what we know for sure and let me just make sure I have the actual dates, its going to be February 1st, March 22nd year, May 3rd. Youre going to have more Fed meetings. At some point, youre probably going to see a pause of interest rate hikes, which means theyre eventually going to stop. I dont know when its going to be. It will more than likely be in 2023 where they stop. They wont be lowering interest rates, but theyll probably stop raising interest rates. And I think the market is thinking its going to be by May 3rd, but regard less. What we have is the Federal Reserve has been raising interest rates to to try to stop inflation. And, you know, youve heard me talk about this before. Its the money supply