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You're right Everyday, it would have helped, but not too much.  I'm pretty young so being aggressive was the name of the game.  I still have a long time to go until retirement so I'm not too concerned about the loss. 

What bothers me is that I think I could have done better on my own. 

By the way, I really enjoy your blog.  I'm making my way through the books you recommended.  I appreciate your insight. 

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