But it IS something you spend to survive A homeless person more than anything else needs to accumulate enough money to HAVE A HOME before they need long-term productive assets Or, failing that, to pay for food, co-pays, other emergency expenses
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And yeah increasing someone's total savings rate by trying to make investment exciting by promising big returns is the definition of unethical behavior
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I could probably be even more successful getting some people to trim the fat in their daily budget by telling them every dollar they spend on random penny stocks could explode into immense wealth when they stumble on the next Facebook
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