In 1980, interest rates rose to 21%, and in 1982, they were lowered, leading to the Latin American debt crisis. In 1988, interest rates were raised to 9.75%, and in 1989, they were lowered, resulting in the bursting of the Japanese economic bubble. In 1994, interest rates were raised to 6%, and in 1997, the Asian financial crisis erupted. In 1999, interest rates were raised to 6.5%, and in 2000, the IT bubble burst. In 2004, interest rates were raised to 5.5%, and in 2008, the subprime mortgage crisis erupted. In 2022, the Fed started raising interest rates, reaching 5.25%-5.5% by 2023. It is expected that a financial crisis may occur between 2024 and 2026. In the short term, the market may rise to $75,000-$77,000 within 1-2 months, but after the financial crisis erupts, it may pull back to $38,000-$48,000 before entering a true Bull Market.