I've got a friend that's currently actually in this building at the moment. And I had this conversation with them about a year ago, gave the advice that you've just given there. About two months later, this individual, who I shan't name, came to me and said, how's your investments going in that fund? So I would sort of gently change the way she thinks about it. The second is I guarantee her account structure is a little subpar. This is in chapter five, it's all automation. Because trust me, I don't want to spend time transferring money back and forth.

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