This year has brought us a mix of continued and new financial challenges. Inflation stuck with us, with the annual inflation rate ending 2022 at 7.1%, compared with 6.8% at the end of 2021. And due to continued inflation, the Federal Reserve started hitting the economy with rate hikes this year — seven rate hikes, to be exact. That’s more than we’ve seen in a single year since 2008 — enough to...
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