The point of the maximum financial risk involves optimism, excitement, thrill, euphoris, complacency, anxiety, denial, fear, panic.
The point of the maximum financial opportunity involves anger, depression, hope, relief.
This is the year in which people start to believe that recession is on the verge. This is the first time of recession since 2009. I am not so concerned on the circumstance. As long as one is not in debt, it does not matter whether the recession occurs. The most important is for one to be prudent and adopt the minimalist lifestyle. The rest is secondary as per my perspective.