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Even the interest we earn for having our $HBD in savings isn't a sure thing. In 2021 it was 12%. In 2023 it was 20%. Not it's 15%. All good rates, but still not a given.

Leverage position always kills and gets liquidted sooner or later. That's the weekest link.

One can truly use credit to their own advantage if used rightly

you don't get rich by saving , you get rich by investing.

Very true