Only people that should use financial advice from the industry.
People who don't care at all about out performing or don't like or care for investing.
Those ppl should just put their $ in S&P index and keep doing whatever else they like to do.
If they lose sometimes so be it.
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I'm here to tell you the truth.
You CAN time the market.
You can outperform all those Harvard MBA's who are using you to make millions in salary.
Just remember they don't want you to not use them and make more $ than them.
Because that makes them useless which they are.