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  • Good article. The next generation needs to understand that risk adjusted returns on labor are no longer sufficient to ensure financial freedom in the US except in very few niche verticals. They either need to find those verticals for a career or find a line of work early that will help them build up capital quickly (just saving on any job isn't enough) so they can leverage time and much more favorable return on capital to provide them the freedom to do what makes them happy for much of their adult life. Not sure, it is easy to make them understand this though.
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