One big hairy one: the financial crash finally arrives. I predicted this a few years back but covid and money printing postponed the bubble burst a little longer. With inflation rising and govt debt already sky high (worsened by rising interest rates), there is finally “nowhere to go” but down.

The triggers will be multiple, unlike 2008. Crypto crash will play a big part, but also housing market crashes, the end of the retail stock boom, inflation-wage price spiral, structural problems with the Chinese economy, and geopolitics spilling into economics.

A good time to ensure you have savings to weather the storm, hopefully get ready to invest once the crash is done, and if you can then take advantage by taking time off, studying for qualifications, or starting a business (recession is a great time to start up).

Hang on to your hat and get your finances in order, even if that means downsizing your house.