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Well, it depends on what age and stage the client is in. Most people overspend, don't save, don't invest, and don't develop their financial intelligence.Why on earth would you ever dave ramsey total money makeover class follow their advice?"One of the reasons that millionaires are economically successful is that they think differently." The ideas are usually based on risk-avoidance and fear. Well, as you know, Josh and I have been playing a ton of golf.
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