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Don't Pledge to Be a Prisoner of Your Money
Don't pledge to be the person who discourages themselves of security. Money is freedom. It's a big, honking pile of freedom. You can choose to use it as the freedom to imprison you if you don't. And generally speaking, lacks money is freedom and your voice is important. At least retain the amount of money, security you need to follow Joe's advice. By the way, in terms of money, I'll never have a villa. No, sorry, invest into like things you like you mentioned, awesome things.