Out of control spending has deferred a major recession but time is running out. Interest rates due to banking sector stresses will remain high this year and next given the federal government’s need to refinance almost $15 Trillion of debt this year and next. Begin thinking about the natural resources and energy sectors as attractive investment opportunities for a recovery starting in 2024. Please refer to these links to simulate your plans for next year: https://www.etftrends.com/2016/05/23-best-etfs-to-track-basic-materials/ https://www.kiplinger.com/investing/etfs/603452/commodity-etfs-to-ease-inflation-worries