wots
I will not go into any sort of detailed reply to you sir
because no matter what my reply would be
it must be wrong in your mind
as your way too smart in financial matters
for my self
And I leave you with
one day you will discover, maybe
to give away money to others makes you rich
"My background growing up etc, etc, might (?) actually mean, I know more about it than you "
then you are special and shouldn't waste your time with the likes of myself