We’re living in an interesting time, aren’t we? The past two decades have been a rollercoaster, economically speaking. (And emotionally, socially, and politically speaking too! But that’s another letter…) We’ve seen the cost of money remain low, which, in many ways, has been great for investments and the stock market. This environment has allowed businesses to thrive in a way that seemed almost easy. However, as we’ve all noticed, this ease comes with its own set of challenges.