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No offense, MEC, but I don't get it. You're about to get a PhD, and you've got a positive net worth. That seems like a significant accomplishment. Two accomplishments, really--academic and financial. Congratulations.

Lots of people get off to a much slower start than you. When I got my first job after college,
my checking account shrank to $60 before I got my first paycheck. I had no other assets, unless you count an $800 car. OK, that was 25 years ago, and I could buy lots of groceries for $60. So I wasn't in danger of starving.

I think it's good that you want to invest. I just hope to give you some perspective.

Michael
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