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It's an issue but not the main issue, can learn a lot in 6 months if he's hungry for it!

I'd buy $4million worth of quality IP's and based on historical averages they should have doubled in 12 years giving you at least $4million in equity. Definitely achievable but nothings certain - as you say, the next 12 years may not be the same as the previous 12 years.... Good luck in your...