Like the lights that pop up on your car's dashboard to tell you something is wrong, there are warning signs that can indicate potential trouble in your financial life too. On today's episode, Steve and Gabriel are discussing things to watch for to spot potential problems ahead. Plus, they're sharing some quick hits and answering a listener question. 

1. Gabriel's 'Quick Hits': 
   • Social Security COLA for 2023 is the most since 1981
   • Increased 401(k) and IRA contribution limits for 2023
   • Tax bracket adjustments & standard deduction increases
   • Average college tuition costs have declined  
2. Financial Warning Indicators: 
   • No idea what your budget is for your retirement years
   • Only focusing on the "retirement number"
   • Not having sources of tax-free income in retirement  
3. Listener Question: 
   • "I've always been a more aggressive investor. I like seeing my money grow. At what age should I begin getting more conservative?" - Art