Year-end results for the aggregate bond index ended big and scary. And even though CPI is down, we still are not feeling it yet, and prices at the stores are on the rise. Is there good news ahead for bonds and consumer prices in 2023? The guys answer the 'why' and expand on where they see opportunities ahead. They also review key changes in the SECURE Act 2.0 and why the new law has something for everyone's retirement savings.