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Imagine your life one year from now.   You cannot be certain that you’ll have more money than you do now. Incomes rise and fall, markets change overnight, and you never know what is lurking around the corner. Your job can go, the banking system can collapse, and everything you’ve saved and worked hard for can be wiped away in an instant. And you may be sufficiently diversified. You may listen to Ray Dalio, you may have a few piles of gold, and your fat-bellied, horn-rimmed glasses-wearing financial advisor might tell you at your appointments that everything is in order. But even

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