How I believe you should invest your long-term money.
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How do you measure the improvements that your money is making on your life? Is your money the servant or the master?
What if I could interest you in an investment that if you dumped all of your money in on the worst possible day in the last decade and subsequently left it untouched for the next 10 years, you would have effectively doubled your money? Would you buy that investment?
What you know about "risk" in your investments may lead you to misbehave.
Financial Planning is not a luxury item for those already wealthy, it's a process of making good decisions over time in order to become wealthy.