I've paid off all outstanding debt in '22 including all credit card balances prior to December '22.

Going into '23, I have no debt older than a month and that's on one CC that will pay off the next statement cycle.

I just set monthly withdrawls/transfers from the checking account my direct deposits fall into, moving around 50% to High Yield Savings accounts.

My recurring bills are low enough that I can live on half of my income and still have money to spend on things I need for projects.

I've made all of the major purchases I had planned for the last few years and nothing is left. '23 should be nothing more than routine expenses unless some thing unusual happens.