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David.....

Food for thought. Is it important, from your perspective, to assist those of modest means? For example, I am familiar with a few individuals who are disabled and trying to manage assets of five figures. One person I know has such a low asset base that subscribing to Haymaker Substack would eat up all of her investment income. Not saying or implying that your advice is not worth your paid subscription rate, but do you have any ideas for helping folks of lower incomes at what would be, for them, an affordable charge?

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