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I was an average, non-professional stock investor. I made plenty of money up until 1999 — when anyone could do it — and lost plenty during the tech crash in 2000. Because I didn’t lose everything (as many did), I reckoned, incorrectly, that I wasn’t so bad. Then, in 2008, came the worst financial crisis since the Great Depression. Fortunes were wiped out. Many lost their life savings…

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