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The first thing—for certain— is you have to start with accumulation. Most people in their 30s, 40s, 50s, 60s… are still in what we call the accumulation phase. This is the season of life where you build wealth. You accumulate assets. You store the value of your money in vehicles that grow, and ideally—at a high interest rate. For some, that’s houses. For others, it’s land, real estate, or even vehicles. But for everyone… the most important place to start is with the top 10% of your money. Becaus
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