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![What would happen if the government defaults on its debt?](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-Feature-2_2023_default_risk_1-300x169.png)
What would happen if the government defaults on its debt?
Policy brinksmanship over lifting the debt ceiling and the threat of default it brings is increasing the cost of doing business and carries far more risk than is commonly acknowledged.
![The debt ceiling stand-off: Frequently asked questions](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-Feature-US-Capitol-Building-2-300x169.png)
The debt ceiling stand-off: Frequently asked questions
What exactly is the debt ceiling, and other frequently asked questions.
![U.S. inventories are growing at twice the rate of sales](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-Feature-21_2023_inventories_1-300x169.png)
U.S. inventories are growing at twice the rate of sales
The surge in inventories raises the risk that firms will be caught with excess supplies just as demand begins to slow down this year.
![Required minimum distributions after SECURE 2.0](https://resources.condley.cpa/wp-content/uploads/2023/03/Condley-Feature-Two-colleagues-talking-216-300x169.png)
Required minimum distributions after SECURE 2.0
SECURE 2.0 changes the rules governing how and when certain retirement savers can withdraw money from their retirement accounts and IRAs.
![Retirement plan changes for long-term, part-time employees](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-Feature-mployees-transp-Green-300x169.png)
Retirement plan changes for long-term, part-time employees
SECURE 2.0 changes the rules for how long-term, part-time employees are treated for purposes of 401(k) and 403(b) retirement plans.
![Retail sales post strong gains in January, though it may not last](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-Feature-etail-Sales-Monthly-2-300x169.png)
Retail sales post strong gains in January, though it may not last
Sales increased by 3.0% on the month and by 2.3% if automobiles are excluded, according to the U.S. Census Bureau.
![Rising interest payments, deficits and the debt ceiling crisis](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-Feature-2-2_9_2023_payments_1-300x169.png)
Rising interest payments, deficits and the debt ceiling crisis
The mounting stand-off over raising the federal government’s debt ceiling has put a renewed focus on the rising cost of financing the nation’s debt.
![Business ownership: Launch with confidence](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-Feature-Mobile-payment-139-300x169.png)
Business ownership: Launch with confidence
Discover the opportunities and challenges as you get ready to take your business to the marketplace. RSM advises business owners in all phases of the business lifecycle.
![Business ownership: Business transition](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-Feature-Retail-shopping-center-during-daytime-351-300x169.png)
Business ownership: Business transition
Preparing for the sale or transition of a business. RSM advises business owners in all phases of the business lifecycle.
![Business ownership: The dynamics of a mature business](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-Feature-Discussing-project-in-factory-959-300x169.png)
Business ownership: The dynamics of a mature business
Mature businesses need to prepare for what lies ahead. RSM advises business owners in all phases of the business lifecycle.
![Business ownership: A focus on growth](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-Feature-Retail-bakery-and-worker-788-300x169.png)
Business ownership: A focus on growth
The business startup lifecycle: Answers to common questions business owners ask in the growth stage.
![Business ownership: Startup challenges and opportunities](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-Feature-Man-standing-in-front-of-empty-warehouse-64-300x169.png)
Business ownership: Startup challenges and opportunities
Starting a business is exhilarating and daunting. RSM advises business owners in all phases of the business lifecycle.
![Paycheck Protection Program: Speed came at a price](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-Feature-came-at-a-price_feb23-300x169.png)
Paycheck Protection Program: Speed came at a price
The Paycheck Protection Program had a clear impact on preserving jobs among small and midsize businesses. But it came at a steep cost, both in dollar terms and in reach.
![4 areas of focus for financial institutions in early 2023](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-Feature-Bank-exterior-with-columns-811-300x169.png)
4 areas of focus for financial institutions in early 2023
Despite the lift in financial institutions" net interest margins from unprecedented rate hikes, the headwinds facing the industry through declining macroeconomic conditions are creating unique downside risks for the nation’s banking system.
![Protecting Your Finances During an Economic Downturn](https://resources.condley.cpa/wp-content/uploads/2023/02/Condley-VideoCover-Protecting-Your-Finances-During-an-Economic-Downturn_CT-13492-300x169.jpg)
Protecting Your Finances During an Economic Downturn
Many economists are predicting that the US economy will experience a downturn, if not a recession, in 2023. A downturn can lead to job loss, reduced income, and financial insecurity. While it's impossible to predict the future with certainty, there are steps you can take to protect your finances during a downturn.