The fizzled excitement for AI, the concentration of rally in some few large-cap tech stocks and still-present inflationary pressure indicate potential bubbles. Although inflation has cooled from its highs last year, there is still a significant risk that it could rebound due to lingering economic pressures, such as rising oil prices on geopolitical concerns. Moreover, a significant portion of credit card borrowers (51%) have been unable to pay off their entire balance each month, resulting in accruing interest.