You have what you need by default because the tax payer looks after you I was on or below average weekly earnings for all of my working life but all I wanted was to be self reliant I consider myself to be average intelligent but still brought up 2 kids and put them through university on one wage and my wife did unpaid community work and apart from our house had $1 million in assets before I was 50 ,if I can do it anyone can so I retired early and live very well, here is a concept my father taught me its call GOYA Get Off Your A$$e.
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