A little confused about how we\u2019ve gotten to\u2026well, ~gestures to everything~? The S&P 500 down roughly 25% YTD, record-high inflation, and rate hike after rate hike?\xa0\nSoFi\u2019s (https://www.sofi.co) Head of Investment Strategy, Liz Young, joins me to break it all down\u2014and makes a few historically informed predictions about what\u2019s likely on the horizon in 2023.\nShe also addresses why she thinks now\u2019s the time on which we\u2019re all going to look back and wish we bought more, what to buy during downturns, and the relationship between the stock market and the bond market.\nKatie also answers a question about Roth IRA platforms. Placement is a general marketing offering and is not a recommendation to take any particular action, including rolling over an existing account. Consider your personal situation and preferences, including fees and expenses for each option, before deciding to roll over. Please refer to Betterment's Form CRS (http://www.betterment.com/legal/form-crs) and other disclosures (http://www.betterment.com/legal) for more information.\nTo learn more about our sponsor, Vin Social, check out http://vinsocialvip.com/.\nEpisode transcripts can be found at https://www.podpage.com/money-with-katie-show/.\n\u2014\nMentioned in the Episode\n\nThe Important Part: Investing with Liz Young: https://open.spotify.com/show/3v9RQmKZioeCCDXEdmlZNP?si=9e91ea5676834fa1&nd=1\n\n\nBond market in "bull market": https://www.nasdaq.com/articles/r.i.p-bond-bull-market-1981-2021-2021-03-16\n\n\nInverted yield curves: https://www.cnbc.com/2022/09/21/what-the-inverted-yield-curve-means-for-your-portfolio-.html\n\n\nYield curves & recessions: https://www.chicagofed.org/publications/chicago-fed-letter/2018/404\n\n\nNet present value: https://www.investopedia.com/terms/n/npv.asp\n\n\nJack Raines's Young Money post on risk: https://www.youngmoney.co/p/rethinking-risk\n\n\nLiz Young's 2022 outlook, "Running Into the Wind": https://www.sofi.com/blog/2022-market-outlook/\n\n\nLiz Young's H2 2022 outlook, "Running Out of Steam": https://www.sofi.com/blog/liz-looks-2h-2022-outlook-running-steam/\n\n\nRoth IRA platforms mentioned: Vanguard, Fidelity, Charles Schwab (most hands-on), M1 Finance (partially hands-on), Betterment (mostly hands off)\n\n\u2014\n\ufeffFollow Along\n- Listen to Money with Katie here: https://www.podpage.com/money-with-katie-show/\n- Read Money with Katie: https://moneywithkatie.com/\n\nFollow Money with Katie!\n- Instagram: https://www.instagram.com/moneywithkatie/\n- Twitter: https://twitter.com/moneywithkatie\n- TikTok: https://www.tiktok.com/@moneywithkatie\n\xa0\nSubscribe to Morning Brew\n- Sign up for free today: https://bit.ly/morningbrewyt\n\nFollow The Brew!\n- Instagram: https://www.instagram.com/morningbrew/\n- Twitter: https://twitter.com/MorningBrew\n- TikTok: https://www.tiktok.com/@morningbrew\nLearn more about your ad choices. Visit megaphone.fm/adchoices