Learn to invest without using margin. You are going to make mistakes as you learn. With margin, those mistakes are larger. Once you've learned, then you can use margin to your advantage. How long does it take to learn investing? That depends on the person. Some learn enough to be safe with margin in just a year or two. Some take closer to a decade. And some people never really learn how to invest well enough to be let loose with margin. Margin is a very sharp tool. You wouldn't let your 5 year old kid use a chain saw without any training. Same thing with margin.--Peter
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