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Who's Ralf??? :confused: :)

Most say to have the end in mind. The problem with this is that your circumstance/life today will be different in the future. You will also have more knowledge later in your investment journey, which may change your strategy yet again. My thoughts? Determine which money making strategy...

No you didn't. Reread you post. I'm sure you can detect your smugness. Didn't Les Brown cover the topic of SMUGNESS ?

Yeah bunch of twats we are here, Sir Leo. Still, most of us don't talk bulls#*t either.