End of 2023 and I think BTC will be $21,058. I have no real rationale for the BTC number. But I am a little more confident on predicting CD rates. Most economist expect the FED to reach around 5.5 or 5.75 as a final rate. I think this will push CDs above 6% from some online banks. That will tip the scales for a lot of people, which may create a downward spiral in stocks. Just my prediction.