Adam Curran gives his bearish take on the markets, noting the cost of lending will have a disastrous impact on the real estate market. He thinks we'll see a move into fixed income with reasonable risk-free rates of return. Curran also predicts a lot more people will lose their jobs in 2023. On the other hand, he notes betting on the end of the world is rarely profitable. He predicts a massive wealth transfer occurring in the next 10 years, which will spark economic activity.