We all hear it, “Times are tough; people are being retrenched; the economy is in shambles; oh my word the Coronavirus; and so forth.” We also hear things like, “Work hard now so that you can enjoy your retirement later; skip that fancy latte in the morning and watch the savings pile up; stay the course and it will all pay off eventually.” But let’s be honest, traditional methods aren’t the only way and negativity has never helped anyone to be successful.

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