Thank you for your very realistic view. It is true that facing challenges such as the ever-increasing cost of living requires concrete steps, especially in strengthening financial stability. Focusing on efforts to increase income or diversify income is a wise move, especially amidst the unpredictable inflation rate.

The "year of success" mentality does need to be supported by hard work, consistency, and careful planning. May this year be an opportunity to learn, grow, and face challenges better. Thank you also for sharing this inspiring perspective!