First I agree with everything said. There are two philosophies about risk. First, when you are young you can risk everything because you have time to make up for it. The second view is that when you are older you can afford more risk because you have a safety cushion to fall back on if you make a mistake. Each individual has to make their own path and live with the results. The second view worked for me and I scrap fulltime now. Good luck.
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