As we wind down the year 2022 and head into 2023, some people might be saying this last year has been not so great. I’m just going to hunker down or I’m going to wait, well is that the right strategy? If you have zero advice it could be the wrong strategy for you. I don’t know how you could ever know if it’s the right decision if you don’t ask someone who does this for a living like Brad does and he offers tips as we head into 2023.