Honestly, I love a statement you made about 2023 been a year to prepare for 2024. I can relate this with a situation I witnessed when I went for an interview, a person was asked what her skills are;

She sat confused saying she is just a fresh graduate who will be willing to learn and immediately she was turned down.

One of the investment that works with heart beat is crypto trading, losing out on market doesn't mean you wouldn' t invest but information can make one avoid some pitfalls. Happy new year.