The thing is that even your "personal economic situation" still revolves around the general economic situation in your country, I mean if cost of living in your country is high as inflation levels skyrocket, with little or no jobs/unemployment/enderemployment etc, all this is definitely bound to affect you as a citizen. Having said that, personally I want to learn more skills in this year, at the moment individuals with skills are highly sought-after, this I'm definitely going to add up on my already existing skills to increase my chances of earning from multiple sources, then to add to that, as has been the case with me for a couple of years now, I'll still stick with Bitcoin as a hedge against my country's devaluing fiat currency. If we're to be honest with ourselves it's not really going to be too rosy at the beginning of this year, we're still struggling to curtail the virus and it's mutating nature, thus it's best everyone lives according to what they earn and not try to be too extravagant.