There are so many things to feel optimistic and positive about, and conversely there are so many things to be pessimistic about. Which you focus on is your choice. We are inundated with data and noise about what’s important and while we could run ourselves in circles trying to address each thing, it’s more important to identify the two or three things that will make the biggest impact in our lives and focus on those.

Last month’s inflation was 4.2% year-over-year percentage growth. That’s a large number and if you get your news from the TV news outlets, which we highly recommend you don’t, you are likely up in arms. So, is now the time to panic due to inflation? No, we don’t believe there’s ever a time to panic. But is there a time to be concerned about the impact to you, your life, the economy, your portfolio, things of that nature? Well, that’s not quite the right question to ask. The real question should be, is this temporary or is this systemic?