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Invest using other pples money, and never your own money.
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Use the bank's money
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Not sure if this is a piece of advice but... If you choose to lend money to someone, never expect the person to return. lol
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Don't buy a $300 bag with nothing in it. Buy a $10 bag with $290 in it. Don't go broke trying to loo...
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You don't have saving problem, you have income problem. Was being told by my financial advisor.