Said by many “everyone is responsible for their own financial situation”. The poor do not invest, do not looking for options to fill the gap, while the options are out there everyday. I’m not saying its easy, actually its hard because act needed, but lasiness is conforting for many, and much more easier to complain and sorrow, rather take some risk and try out new possibities.
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It is hard for people to get over the mental and emotional hurdles required to invest - especially when they don't have much to invest with.