This is a big step @fokusnow. Before they will select winners, i anm congratulating you first. Congratulations to you .
The 4 things you mentioned must be taking into consideration this 2023 because, many people have regretted some properties they bought which is of no use now. If one must borrow it should be for business, a good one at that, not just any business because there some busineses that cannot pay back what they borrowed.
Once again congratulations
Thank you so much. January will be another opportunity to build more.
This is true. Once we try and avoid repeating money mistakes, we will be in better financial position not just in the coming year, but for a long time