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Brian McMan

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People Who Win the Lottery End up Broke

I've heard that a significant percentage of people who win the lottery end up bankrupt. They simply did not have what it takes to handle the wealth that they were hoping to get. What brings these people down?  Is it a bad attitude that brings these people down?  Is it a lack of resources other than finances?  Is it a lack of a support system?  I don't have the answers, but I do see this as a  serious and important question. This is important because we have all won lotteries.   I've won the time lottery, this being the greatest time in the history of earth to be alive. I've won the genetic lottery, because clearly I'm smarter than the loser who passed me driving down the road this morning. I've won the country lottery, having been born in a country that other people risked life and limb to get to. I've won the physical health lottery, because I can still walk, talk, and take action. Despite all this?  I'm becoming bankrupt...
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Timing the Market

I have heard many people say that you shouldn't try to time the market. So being the contrarian that I am, today I'm going to try and time the market. By the market I mean the New York Stock Exchange.  It should open around nine thirty and close around four or so.  But we'll see. If everything goes as planed there will be six and a half hours to buy as much ownership of companies as I can.  It is a good time to buy no matter which hour I purchase more ownership in.  This is because, as J.L. Collins puts it,  the market always goes up.
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Noone else has time so make some friends in the middle class.

There is this theory that I remember reading before.  I think it might have been Peter Drucker. Basically people are either becoming incredibly intelligent knowledge workers with high wages, or they are becoming incredibly strong physical labor workers with low wages. I've been mulling this theory over in my mind as I fantasize about achieving financial independence in the future. Its like the workforce is becoming an hour glass with the high paid people on top, a few in the middle, and the lower paid people on the bottom. Now the highly paid people on top do not have time for you, because their time is valuable.  They have to put in the extra hours to stay on top of their field. Likewise the lowly paid people on bottom do not have time for you, because their time is valuable.  They have to put in the extra hours just to make the ends meet. But the guy in the middle?  They don't necessarily have to improve to get to the top, nor do they need to put in so ...
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