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    Bern - I really do not follow that at all.

    Invest and save in the right way and you can improve your wealth and standard of living. My job is about helping people do just that and I am pretty good at it, they would not pay me if I was not!

    It is open to everyone to do this - they just have to make a decision to do it and get the right advice. They have to start somewhere and they earlier they do the better. It is not easy, nothing worthwhile is easy in life!

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