Ключевые слова: 2022, 2023, accounting, analysis, background, banking, budget, business, calculate, calendar, company, concept, cost, date, earning, economic, economy, finance, financial, future, goal, government, growth, income, investment, loan, management, market, marketing, money, new, new year, opportunity, payment, plan, planning, profit, save, savings, sign, strategy, success, target, tax, taxation, text, time, vision, work, year,