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> pre-tax income to be invested

Which of course, they do.



Interestingly, some do. The thought of making some money by buying a small amount of some high-growth stocks, with fractional investment being a thing for several years, energizes many small-time users of Robinhood and similar services. It's still a better gamble than buying lottery tickets, which many poor folks do a lot, sadly.

Poor people are people like us (or sometimes are us), some are quite prudent and would love to make an investment that pays, even if it's small.




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