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I like Dave and many other financial advisers...I take a bit from each and see if I can make it work.
I loaded Andrew Tobias' "Managing Your Money" on my first computer in the late 80's.
He, like many others, had a simple, cogent structure for managing money that made complete sense to me. I was already on the path but it helped to get affirmation.
Financial "rules" haven't really changed since the Salt Road.
Doing it, following the cuidance, is the hard part.
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1996 FJ80.
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