7 Investment Mistakes I Made 😭 (So You Don’t Have To)


– You might not believe this, but I’ve made a few mistakes in my life. You mean you’re not perfect, Jeff? I’m so disappointed. Now I could do a two-hour long documentary about all the life
mistakes that I’ve made, but today I want to focus
purely on investing. Investing mistakes. And even though I am a
certified financial planner, bing. I still have made some
bone-headed investment mistakes. These mistakes have
cost me a lot of money. Two of which have cost me over $13,000. That still makes me want to cry. I can’t believe that I did
that, what was I thinking? And the main reason I’m sharing these mistakes with you today is because I don’t want you to make the same bone-headed mistakes that I’ve made. So I’m gonna share my top
seven mistakes that I’ve made so that you don’t have to. (energetic, upbeat intro) What’s going on, party people, so mistakes suck, I mean right? No one wants to make a mistake. It’s like one of the
most embarrassing things that you can do is: to try something and to fail. But what about actually publicly admitting the mistakes that you’ve made. That’s even bolder right? So the fact of even admitting
these out loud to you, to the YouTube-verse, the universe. I’m not really sure what I’m thinking. Recognized author and thought
leader, Dale Carnegie, had this to say about mistakes. He says the successful man
will profit from his mistakes, and try again in a different way. And with these investment mistakes, if I just did it, failed and
didn’t try something new, then I wouldn’t be where I am today. I wouldn’t be a successful investor. So if you try something,
whether it be mutual funds, stocks, cryptocurrency, whatever that you are trying to invest, just because you fail and
lose money that first time, that doesn’t mean that it’s game over. You still have a chance
to make a lot of money. And that’s why by sharing these top seven investment mistakes that
I’ve made, you can see that. Because guess what, I’ve
lost a lot of money, but I’ve learned from those, and I’ve made a lot of
profit from those mistakes. All right, let’s take a look at these seven mistakes that I’ve made. Now the first mistake is I
waited too long to get started. Now I was 24 years old
when I started investing, like really started investing. And many of you might be older than that, and wondering how did you wait too long? You started 24. But the reality is that I
should have started sooner. I remember when I was in high school, I had a good friend in mind
tell me about the Roth IRA. And he talked about how
great this thing was, and how you could have tax-free money. I remember him telling me this, and he was so excited about it, and remember I got excited
too ’cause I started thinking, man, I got a part-time job. I got some extra money. That sounds like a really
good thing I should do. But, did I do it? No. I didn’t. And why didn’t I? I don’t know, I guess I didn’t understand, I didn’t have a sense of
urgency, I didn’t do it. And I could have. So I could have started
investing at 18 years of age. But I did start at 24. Why is that such a big
deal, why is that a mistake? Because if I started 18,
and started investing $25, $50 bucks a month, I could of had $10,000, $20,000, maybe
a $100,000 more today, because of compounding interest. So many people use the excuse
of I’ll start saving later, or I’ll start saving someday, or I don’t need to save right now. What’s the point? And then in one day you’re
gonna wake up and realize, what am I doing? Man I should have started
saving so much earlier. Especially when you understand
compounding interest. Let me give you an example
of compounding interest that should hit home with you. Now this is example was given to me whenever I was a junior in college. And I remember it blew my mind. Mind blown. (imitation of explosion) So in this example, we’re
looking at two different people. One of which started investing right when they got out of college. The other one waited. They waited ten years to start investing. So let’s look at person number one. At 25 years of age, they
start saving $2,000 a year. And they did so for 10 years. So from the ages of 25
to 34, they saved $2,000 for a total of $20,000. So the other person didn’t
want to start investing yet. They want to go out and buy some TVs, some new TVs, a nice apartment, you know get some new couches, and just start living it up right? So they didn’t start
investing immediately, but finally, 10 years
later they figured it out. And like, you know what, maybe I need to start saving something. So they see their buddy over there, that’s been saving $2,000 a
year for the last 10 years, and think, okay, I’m going to do that too. So they start saving $2,000 every year from the ages of 35 to 65. So a total of 30 years
they’ve saved $60,000. And just so that this point drives home, person number one, they
stopped saving at 35. Now I have no idea why they
would stop saving at 35, but for this example,
just work with me okay? So we have person number
one that saved $2,000 a year for 10 years stopped. So they’ve saved $20,000 total. And we have person number
two, that started at 35, did it for 30 years, and they
have saved a total of $60,000. So person number two
has saved $40,000 more than person one. So in this example we’re assuming that they’ve made 8% rate of return. So 8% interest. Now if you look at the
stock market numbers, usually the market averages about 10%. Now if you’re one of those crypto-crazies, and you want to use 5% interest, okay, whatever, plug in your number. So just to be conservative, we’re going to use 8% rate of return. So person number one, who
started saving $2,000 a year at the age of 25, did so for 10 years. They have accumulated $340,000. Now person number two, remember
they started 10 years later, but they saved $40,000 more. So they’ve saved a total of $60,000, still averaging 8% return, and they’ve accumulated, check this out, $266,000. So person number one, even
though they saved $40,000 less, they have $73,000 more. Why is that? Compounding interest. And the fact that they’ve
started 10 years earlier than person number two. So in my example of waiting ’til 24, instead of starting saving
at 18 when I could have, who knows how much that
would have cost me. Now remember, I’m only
using 8% rate of return on this example, so you
fill in the blank with 10%, 12%, whatever, the numbers
get that much more staggering. So if you’re watching this, and you haven’t started
investing in something; do me a favor and start. Just go do it, go, go. All right the second
investment mistake I made was buying on hope. Now I’m sure you’ve
probably gathered this, but, just because you hope something
is going to up in value, just because you hope a
stock is going to make money, doesn’t mean it really is. Like that’s not how
the stock market works. Well, as a young investor, I didn’t quite get all that right? So this is when I was back in college, and I was still trying to
understand the stock market. I just started dabbling in mutual funds, but I still wanted to
buy an individual stock. Now back in the day, there were these tech stocks that were booming in the late 90’s. And we saw stock prices soaring very similar to what you’re
seeing with cryptocurrency in current day. So there were stocks that
started at $5 a share, that were soaring to $200
share, or $400 a share, it was pretty crazy. And there was a stock
by the name of Lucent, which is now owned by Alcatel. So Lucent was a
telecommunications company, and at one time, their
price got up to about $60 to $80 a share. But after the DotCom bubble bursted, a lot of these tech stocks
just tanked in value, Lucent being one of them. So Lucent was once a $60 to $80 stock, and I think it got down below $5. And it got down to a range
when you’re a college student, and you’re working part-time, and you got a little bit of money, it got into a range where I could buy it. I remember this was my reasoning, this was my rationale
for buying the stock: well it used to be $80 a
share, now it’s only $5, so if I buy it today,
and it gets back to $80, man that’s some good return. I hope that it does that. Hey listen, I don’t
care how much you hope, you think that it’s going to
go back to it’s original value, it doesn’t work that way. Like you can’t hope a stock
to make you some money. – Hope don’t get the job done. – What does that mean. – That means hope don’t get the job done. – So I held onto Lucent
stock, I don’t know, for a couple years, and
it basically went nowhere. They end up merging with Alcatel, and I don’t even know how
much the stock is worth now, I ended up selling the stock at a loss. Held it for a couple of years. But you don’t hope that it’s going to make
you some money right. That’s not how it works. So don’t buy a stock with the, “I hope it’s coming back” strategy, because that, that is not going to work. So don’t do it. All right the third mistake that I made is listening to somebody else’s
investment recommendation. Now this isn’t always a bad thing, but, whenever you’re getting a
investment recommendation, and it’s usually a stock recommendation, consider the source. Where are they coming from? What do they know about investing? What do they know about the stock? As a financial planner, I
can’t tell you how many times a client has came to me and said, “Hey, I want to buy X, I
want to buy this stock.” And then I ask them, where did you learn about the stock, like, ’cause this person they
don’t really buy stock so why are you coming to me? You want to put a lot
of money into this stock that you’ve never talked
about in the past. And it’s usually with,
well I was talking to so and so, and they said, “Yeah, I need to buy this stock because “they’re going to make a lot of money.” And I love asking this question, well what does that company do? What does that stock do? And this is what I’m usually met with. I don’t know, I don’t know, I don’t know. They just make money,
they just print money. I don’t know. This is probably a rule in itself, but if you can’t explain to somebody else what that company does,
what that investment does, then you probably don’t have any business putting any of your
hard-earned money into it. Now here I am bashing other people about listening to their
investment recommendations, or their friends’
investment recommendations, and yeah, I did the same thing. And I think I’ve talked about
this before in other videos, where when I started investing, other than the Lucent stock debacle, I bought mutual funds. And these mutual funds ended up being pretty crappy mutual funds. They weren’t horrible,
but they weren’t great. The person that recommended
to me was a financial advisor. I was an intern at the investment
firm that I started with, and this advisor said, “Hey, you need to buy these mutual funds.” So I said all right, let’s
buy these mutual funds. I didn’t really know
what a mutual fund was, I didn’t know anything
about these companies, this mutual fund company, but I trusted this person
because they were a professional. As I mentioned, they weren’t that great, they weren’t horrible, but
they weren’t that great. So if you are accepting recommendations, trust but verify. Trust but verify, do some research, get a second opinion, now I mean you could do
a quick Google search, and you’re going to find out
if that investment is okay. Oh my gosh, that mutual fund is horrible. All right mistake number four, and this is one of those ones
in the beginning I mentioned was part of the $13,000 that I blew. That I lost, that I just was stupid. So anyway, the fourth
mistake that I made was, I refer to as the penny stock debacle. When you’re a beginning investor, when you’re a young investor, it’s very tempting to
want to buy penny stocks. So penny stocks are usually trading at less than $5 per share, so we don’t have a lot of money, you can buy a lot of
shares and you feel like that you’re a real investor. You’re not, I promise you, you’re not. So with me, I also got sucked into this. Now this was a penny stock that, actually I can tie this
into point number four, I had a client tell me about it. Said, “Hey, this is a penny
stock that’s gonna take off.” I remember that I put a buy order in for a 1000 shares of this penny stock. And I can’t remember the exact value is, somewhere like about a $1.50 a share. Now the one that thing that
I didn’t realize was that when you put a buy order
in for a 1000 shares, if it’s a stock that is commonly traded, you know like a big stock,
like a GE, or a IBM, or Apple, there’s a large market for these stocks. So there’s not gonna be a
lot of price fluctuation when you put this buy order in. But with penny stocks, they
are very thinly traded. So there’s not a lot of activity going on. So when I put a market order in to buy a 1000 shares, what I didn’t realize is that, I did buy a few hundred
shares I think at a $1.50, but since it was a thinly traded stock, all the sudden the stock price going up, because they saw this huge order come in. So I bought like a couple
hundred shares at a $1.50, a couple hundred more at $1.75, and I can’t remember the last price, but it was like over $2.50 that I bought. And I think it was only like 200 shares. So instead of buying a
1000 shares at a $1.50, by the time it was all said and done, I had $5,000 invested
into this penny stock, because they drove the price up. What I learned was I should
have a limit order on that price so instead of paying over a $1.50 a share, I wouldn’t pay more than that. That’s what a limit order does. And if you didn’t know,
and you know that now, I probably just saved you thousands and thousands of dollars, you’re welcome. Now it wouldn’t have been big deal if the stock would have kept it going up, and I could have sold it
at a much higher value, and at one point in time, I think I sold a couple hundred
shares about $3 a share. So on that, I made a profit. But after that, the stock
never got above $3 a share, and it ended up going below
what the original price was that $1.50 a share. So by the time I sold it, all in all, I lost over $5,000. That’s 5 Gs y’all, and let me tell ya, at that time, It wasn’t like
I was rolling in the dough. I didn’t have a lot of money, and that was something that I don’t know if I even told my wife for a little while. I kind of had to like, let that sink in. That sucked. So don’t let that happen to you. Do not let that investment mistake derail you like it did me. All right, investment mistake number five is buying on emotion or
as we like to say: FOMO. There’s nothing worse than
missing out something right. Missing out on that opportunity. And I’m seeing this crazy with Bitcoin and cryptocurrency. The fear of missing out. Now this has probably
happened a few times, but the one that really comes to mind was buying on emotion, and
the fear of missing out. So if you don’t remember this, the Dow Jones back in 2007 was $14,000, then in March of 2008,
it got down to $6,400. So that was a huge drop. Fast forward several years later, it finally got back to $14,000. And I just remember thinking, wow this is, went so high, so quick, that it’s gonna have to have a correction, it’s gonna have to come back. Didn’t the Dow Jones just
like 25 year recently, yeah I thought so. So thinking that we’re
gonna have a correction, the market is going to come back, and the fear of missing out, I put a decent of money
in a double-inverse ETF. Now what that means is that there are tons of
different ETFs out there, exchange traded funds, and inverse ETF means that if you are buying into a sector or a market, you’re basically betting
that it’s going to go down. Now you can buy inverse ETFs
with all the different sectors, but for this example,
this was an inverse ETF of the S&P 500. But I didn’t just buy in inverse ETF, I bought a double inverse ETF. So that means basically it’s leverage, so everything times two. So if the market would have
dropped 10%, then all right. If I was in a regular inverse
ETF, I would have made 10%. But in a double inverse
ETF, I would have made 20%. Which would have worked great if the market actually did go down, but as I mentioned, it hasn’t. It’s almost doubled since
the time that I bought it. So just think about if
you’re buying something, purely based on emotion, because you’re just scared
if you don’t do this, that you’re going to miss out on an opportunity of a lifetime, just remember what risk is at play here. Is it really worth the
taking the extra risk to make a little bit of money by rolling the dice and taking a chance? What happens if you lose all that money. How much is that going to affect you. So don’t let emotion dictate
when you’re going to invest, what you’re going to
buy, and what you buy. All right, mistake number six, and this is the second part
of the $13,000 that I lost. So I talked about the penny
stock where I lost $5,000, well this one was $8,000. And the mistake here was
not doing enough research, and there is a little bit of
FOMO tied in this as well. So in this investment mistake, so this was not buying stock, this was not buying a mutual fund, this was buying into a
business opportunity. So just to give you a quick backstory: I had co-founded my own investment firm, I then launched my own registered
investment advisory firm, and if that doesn’t mean anything to you, then don’t worry about. If you want to Google it,
then go ahead, I’ll wait. (keyboard clacking) Okay so since I founded my own registered investment advisory firm, this gave me more freedom to explore other business opportunities
that I didn’t have access to in the past. So one of the ones that I discovered, probably just by doing some research, was offering a solo 401k business. Now this was something
that I was excited about, because it would give
me something different, that my competition couldn’t answer. So I wanted to start a
solo 401k for myself, I found this company
that offered solo 401k’s, and they also gave me the opportunity, if you want offer those to
your clients, you could too. So how this worked was, I put my name, my email
address, my phone in there, I scheduled what’s called a strategy call, or a strategy session, and I’m talking to this guy, and we’re going through this whole thing, and I’m liking it right, I’m feeling some good vibes about it. So at the end of the call, he says, “Hey, well if you wanna offer this, “we have this deal that
normarily it would cost you,” now, I don’t remember the exact price, but it was like $13,000. To get access to everything, to be able to offer solo 401k’s to business owners, and
entrepreneurs, and investors, but here was the catch: so normarily this thing was like I said, I think it was $13,000, but if I’d bought it on the
call, right then and there, they would have given coupon that would save me $5,000, so it would only cost me $8,000 for this investment opportunity. You see where this is going, you kinda get the gist right,
yeah that’s what I thought. So here I am, I’m thinking, oh my gosh, I have to do this. Like this is amazing. This is going to make me so much money, this is going to make me stand
out from the competition, because I’m offering that nobody else has, so hell yeah, sign me up. Gave my credit card, charged me the $8,000 and I was on my way. But here was the problem: I didn’t quite understand everything that was required to offer
this solo 401k business. So I didn’t realize that I had to set up like a payment processor. I didn’t realize I had to set up a different type of checking out. I didn’t realize that all the work that went into actually
selling these things, like there was so much I had to learn, so much time that I didn’t really have,
that I would have to invest into learning this new business structure. On top of that, they didn’t have a really
great support system, a customer service support system in helping you learn how to offer these things. So you were kinda on your own. And it didn’t take about a month or so, four to six weeks of being in this, and going through some of the training of offering this amazing
solo 401k business, that I realized, this is not a good fit. Like this is not going to work out. Unfortunately for that point
in time, it was too late. The $8,000 was already invested. The check was already wrote, it was already deposited, I was not going to get my money back. And I learned a very valuable lesson then, and that is: take your time, do your research, make sure
that you fully understand what you’re getting into. So how I prevent myself from making these similar type of mistakes, is I actually have a filter that I fill out on every
single business opportunity. Every single business
venture, every partnership, basically any major life decision. This is what I call the impact filter. And I got this from a coaching
program that I was in. And I will take 10 to 15 minutes, and fill out this impact filter to see if I, just to make sure that I am thinking through this with a level head, make sure that I have just identified every little
thing that could come up, you know, identify what the what-ifs are, and just make sure that I’m slowing down, and understanding what
I’m getting myself into, what I’m investing in. And by taking that 10 to 15 minutes, by going through this exercise, I can’t tell you, how much
money it saved me since then. And if I would have this tool back then, I would have saved a
$8,000 and a lot of time. All right here’s the
last investment mistake. Number seven is: buying an investment that
I don’t even remember why I bought it. Ever bought something and
you don’t remember why. Now that could be some
shoes, maybe it’s a shirt, maybe it’s a CD, or a
song, or something right. But have you ever bought an
investment, like a stock, and you don’t remember why you bought it? So I was recording a video for you guys, and in that video, I was talking about the
Roth IRA conversion, and how I’ve been able
to make $110,000 tax-free from this cool little trick. And if you have not seen that
video, please go check it out. Now here’s the funny thing, as I’m recording this video,
I was doing a screen share looking at all the different
stocks I own in my Roth IRA, and I only own like, I think it was four or
five different stocks. But in that, I saw a stock that I don’t remember why I bought it. I don’t remember who recommended it to me, I know that it wasn’t me. It was a company, I don’t
even know what they do, so there’s another mistake that I made. And so I bought the stock. Now I didn’t put a lot of money into it, I think it was like a
couple thousand dollars. But, isn’t it funny that I would put money into something that I don’t even remember that I own it? And I don’t remember, I
didn’t know what they do, I don’t remember why I bought, or who told me to buy it. So yeah, don’t do that. If you’re going to buy something, know why you’re buying it; know what purpose it is. And I know I already said this, but, when it comes to investing, there are some pretty clear rules. One, you got to know what you’re buying. You have to know what you’re
putting your money into. And if it comes to a stock, you better know how they make money. Who their competition is, and you can do a little bit more research and see if, you know, is there a forecast? Is there any predictions,
how their industry is doing. I mean that doesn’t take a lot of time, especially with what you have access to, you know, with the internet. But the second thing is, you better be able to
explain it to somebody else. Now I could apply this to stocks, but I really want to apply
this to cryptocurrency, and Bitcoin, Ethereum, Litecoin, all you crypto-crazies, I see so many people
wanting to get into crypto, or they already are in crypto, or people coming to me saying, “Jeff, do I need to buy Bitcoin? “I need to buy bitcoin, right? “I’m gonna miss out.” You got to ask them what is it. What is cryptocurrency, what
is a blockchain technology. What is Bitcoin? And when they can’t
even tell me what it is, they have no business investing into it. Now I could say the same the
$8,000 solo 401k business, I kinda knew, but I didn’t
have a good understanding. I couldn’t explain it well
enough to somebody else if they asked me. And if you can’t do that,
if you can’t explain what it is that you’re
putting your money into, then don’t do it, stop. But here’s what I want to close with: we all make mistakes. As you see, I’ve just outlined, I’ve made seven investment mistakes, and I probably made a lot
more that I’m not remembering, but these are the major
ones that come to mind. But let me tell you, I would much rather make a mistake by trying something versus
sitting back and doing nothing. I see so many people that are
going to put a finger and say, “Oh my gosh, you didn’t
do this or you did that, “that’s stupid, you lost all that money.” But these people, they’re
not doing anything. So their mistake is,
they’re doing nothing. They’re passive. They just sit back and think that things are going to fall in their lap. It doesn’t work that way. So to take a quote from
martial arts legend, Bruce Lee, mistakes are always forgivable, if one has the courage to admit them. If you make a mistake,
who cares, but admit it. Or I like to tell my kids, own it, own that mistake. What can you learn from that? Because in making those mistakes, you’re going to learn so much. You’re going to have much
more real world experience than somebody who’s just
sitting there doing nothing. So don’t be afraid to fail. Just make sure that you learn from it, and you drive on it, and
you go onto the next thing. Do not let your past define your future, which is another quote that I love. All right, I know that I’m
not the only one that has made a stupid investment mistake. What is your mistake, or mistakes. Have you lost money, what
have you learned from those. Have you lost your butt, and if you have, what
are you learned from it. I want to hear from you. Leave a comment below. Let me know the worst, stupidest investment
blunder that you’ve made. I’m curious, because guess
what, we’re all there. We’ve all made mistakes. And if you haven’t made a mistake yet, then that means you’re
not doing something. And if you haven’t made a mistake, that just means you’re
just not doing nothing, you need to do it right now. All right y’all, I hope
that you enjoyed this video. If you do, do me a favor, give me a like, share this thing, get it out there, because I want people to start investing. If you haven’t subscribed yet, subscribe. Do it, do it. And hit the notification so
that you know when the next video is coming out, because guess what? I got more coming. All right, go out there,
fail hard, recover fast, and let’s go make some money. This is Jeff Rose from
goodfinancialcents.com, peace. These successful, Bruce Lee. So the train, kyah, to take it, so this, why can’t I just talk. So much more real, real world, real world.

Paul Whisler

18 Comments

  1. Great video! It was really inspiring! I have been thinking about investing for a while and think I'm going to just do it. Ahhh

  2. Hey jeff im 26 and im not even a highschool graduate what advice u give me to study on my own for investment. Im done being broke!

  3. Although I was a great student academically, my worst investment blonder was going to the University of California, Irvine getting a BA degree in Economics, then going on to California State University, Accounting BS degree (2nd degree), taking tons of continuing educational classes dishing out over $150,000 for all of my formal college education obtaining those degrees only to end up with low paying entry level jobs after college. I struggled but managed to pay back all of my student loans over 15 years. The college loan borrowing set me back on a brighter financial future by 20 years maybe more. Just over the past 3 years since I paid off my student loan $50,000 balance I have slowly been able to climb myself out of the financial abyss of the Student Debtor's Prison. I am debt-free today and finally making close to $100,000 annually on a government salary, but those student loans tied me down so tight for so many years on a low limited budget that prevented me from even considering buying a home or starting a family. I'm still single today, and just now starting to save up to buy my first home somewhere in high priced California, though not sure if a having a family will ever come my way, unfortunately…I blame it all on those damn student loans.
    Damn college education…It's a joke, and crap of lies about a good pay job after graduating we were all told we need to pursue after high school. Unfortunately folks, especially students who don't come from wealthy families, got to get those college degrees to even be considered for an average paying job these days; sadly, a majority of students borrow their way through college. Thankfully the big gorilla of student debt or any other debt is off my back these days for me to now move forward with my life.

  4. 20 years old, bought a pretty new, but not brand new car at 7.9% APR….learned a HUGE lesson. Cars really are a bad investment.

  5. "I don't know. I don't know. They just print money." -You must be talking about a bank stock.

  6. I love that you said… NORMARILY!! Anyway, lots of great advice… Unfortunately, I have already majorly screwed up on #1… But, I'm working to remedy that.

  7. My biggest issue is follow thru!! I have just recently realized how much of an issue it is for me! So I am really working to remedy a bunch of crap. Fixing my credit! Scheduling out my entire day… putting in accountability, the cash flow is a big hurdle right now, so I REALLY appreciate your video on how to make $100 in a day… Every little boost will help empower me! I have pretty good discipline, when I utilize it!! So I know I've got this… I just have to follow thru!!! I am soooo grateful for your insights and knowledge!

  8. Jeff you give the best information on investing on YouTube. U was the reason i start investing in to ETFs thanks man keep bringing it

  9. Jeff love your videos man. I would love to hear your thought on real estate investing. I know most of your content is directed towards stocks, mutual funds, ETFs, etc. but I want to know your opinion on real estate investing. I know you have something about REITs but what about becoming a landlord???

  10. I like this video. I made a mistake in investing 35,000 dollars in Fortune Builders. I thought I wanted to learn how to flip houses and discovered later that I no longer had the desire to do so.

  11. lost $800 on a english company that was going bankrupt. I thought that the english government would save the company but it turned out that the did not saved the company. So i did not have done enough research. And i lost it all :(. That was a expansive week. 🙁 I stopt investing for a few years.. But now im back on track and better educated. 🙂

  12. Hi Jef, i feel better watching this video. I also made all the mistakes you did fin 2019. I learned a lot from it. I never had any exposure to stocks or investing in general. Thank you for sharing your story with us.

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