Most of my surplus income between 1977-1981 was spent on my education (fees and books). The cumulative returns on that investment (and the associated effort) make me glad that I didn't spend that money on gold coins.
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Wise choice.
(Ecclesiastes 7:12) For wisdom is for a protection [the same as] money is for a protection; but the advantage of knowledge is that wisdom itself preserves alive its owners.
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