Central themes supported with substantial data references continues: crypto currencies are not investments (since our initial Podcasts two years ago), a severe global recession is gathering momentum, and debt is swamping our economies. Unemployment is an emerging issue promising to hit 2023 in a major way starting with tens of thousands of recent layoff’s in hi-tech, spreading to our construction industries, and soon threatening substantially more retail and services jobs. Please be mindful to repay any and all debts sooner rather than later as borrowing costs are rapidly escalating in tandem with new credit risks highlighted by increasing personal and business bankruptcy filings.