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When I was 40 years old I started my own business with my SO partner. Knowing little about the business or the business world, my credo was..."IF I don't believe in myself, then who should". Please be assured that today I know the meaning of OPM.

I had 20 years of teaching credit with the L.A. school district and took out my retirement. There were those that tried to discourage me with reasons I barely understood and I disregarded them.

Actually the business did well for a while and for a five year period we netted 2-8 thousand dollars a month. Then the business didn't do so good. I went back to substitute teaching and then moved to another city and took a full time contract, entiring that state's retirement system.

Now, 16 years later I find I have, with all the many adventures in my life, only one regret. Perhaps I should consider myself fortunate however, more and more I'm determined to do something about the ignorance of woman and money.

Having said that, I would appreciate any suggestions or comments on how to deal with Late blooming Financial Awakening.
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