The market is going to be on hold until the Fed's decision is out. We will be looking for hints that the rate increases are coming to an end and if that's the case, we may see a rally in stocks.

It looks like we will have quarter of a point increases for the rest of our natural lives or the next recession, whichever comes first. The Fed has not shown an ability to engineer a soft landing.

Have a well-thought financial plan that is not dependent upon correctly guessing what will happen in the future.

Little white lies are told by humans all the time. Indeed, lying is often how we get through each day in a happy little bubble. We spend time and energy rationalizing our own behaviors, beliefs and decision-making processes.

No one knows what the top-performing asset class will be next year. Lacking this prescience, your next-best solution is to own all of the classes and rebalance regularly.

If you are not making any mistakes, you are being excessively risk-averse. Investing involves risk, and that means you will occasionally be wrong. And although it is okay to be wrong, it is not okay to stay wrong.