The Cult of Early Retirement Meets (Or Strangely, Doesn’t Meet) The Cult of Entrepreneurship

The Cult of Early Retirement Meets (Or Strangely, Doesn’t Meet) The Cult of Entrepreneurship post image

Very few words seize my attention like “retire early.”

So it’s no wonder that, over the years, I’ve found myself consuming a wide range of ideas from ‘early retirement’ bloggers and financial gurus. Most emphasize the fundamentals: being frugal and saving money. They talk about making purchases mindfully, putting off short-term consumer highs for long-term financial freedom.

Most of all, these writers warn against going into debt. Debt, we all can agree, is the antithesis of financial freedom.

Although I read many of these writers – some favorites include Early Retirement Extreme, Dave Ramsey, and Mr. Money Mustache, who we’ve interviewed here – I’ve never felt part of their tribe. Some of their specific suggestions make sense, but their worldview never fully clicked with me.

And here’s where it gets a little, well, religious. We’ve all been in a conversation with people who have different beliefs.

Awkwardness and irritation can flood in as both sides catch themselves wondering, “why are they kidding themselves?”

After all, we agree on the facts, right? So how did we leap to such radically different conclusions?

This is how I feel about the early retirement crowd. We both want financial freedom. But how can they believe that saving money for decades is the optimum way to achieve it?

Let’s start with some of the ‘facts’ that we all agree on.

The path to early retirement begins something like this:

  1. Radically reduce your spending.
  2. Become debt-free. Aggressively pay off your loans. Ideally, no mortgage.
  3. Save as much as you can, and invest those savings safely.
  4. ???

Can you guess what number four is?

I know my answer. I believe it religiously.

So when I read these ideas part of me is always waiting, nodding my head in anticipation of the big payoff. The argument has been clearly laid out. The facts are on the table. I expect that we’ll arrive together at step four with resounding confidence.

After all, it’s right after number three.


For the ‘retire early’ crowd, though, step four is is generally a muddled affair.

Early Retirement Extreme, for example, is awfully vague:

“I am reluctant to give specific investment advice on this blog. The reason is that unlike frugality and personal finance, which anyone can learn in a couple of months… investing properly takes at least a couple of years…”

Mr. Money Mustache (MMM) is more resolute. In a popular article about attaining financial freedom, he declares that:

“if you can save 50% of your take-home pay starting at age 20, you’ll be wealthy enough to retire by age 37.”

Retiring at 37 sounds pretty good!

But earning a good salary, paying taxes, living life, all while saving half of your income– that sounds daunting. And doing it for 17 straight years seems? Even more so.

But I think it’s fair to distill both their strategies as something like this: save, and then wisely invest those savings.

And for me, that’s pretty good. But it’s not the answer.

It’s a nice rule of thumb. But I could never see it as the path to salvation.


Occasionally, on a long walk, I’ll imagine myself in conversation readers of these early retirement blogs (or Dave Ramsey podcast listeners).

“Okay you want financial freedom, right?”

“Yeah of course! I’ve already started paying down my debt and putting aside savings.”

“So now that you’ve got your financial life in order, what are you going to do with your time?”

“What do you mean?”

“Well, according to Mr. Money Mustache, you need to save 20 to 30 times your living expenses to retire and live off of residual income. For me, that means I’d need to save well over $1,000,000. So how are you going to do that?”

“Oh. Well, I …. We’re going to live frugally … we now only have one car, and it’s all paid off.”

“No, no. I mean, how are you going to earn the money in the first place?”

“Oh…well, I’m going to continue on with my career. I make $85,000 a year from my job as an accountant, and that might go up in the coming years. If my family and I can live on 30K a year, we can save about $35,000 a year! So I only really need to do this for, let me grab my calculator…”

Screen Shot 2017-03-23 at 10.59.47 AM


Oh my.

I believe that the reason we reduce debt and change our spending habits is not to stockpile salary, but to take control of an even more precious resource — our time.

Once we do that, we can put it to good use sorting out the complexities of step number four.

Our time is so powerful, in fact, that we might even risk some of our savings to get more of it.

But in the early retirement world, step number four is focused on saving, investing, long periods of stability, and good returns in the market.

I imagine a stoic sort of endurance. Simple living. A garden. Staying in one place. Avoiding major shakeups and medical emergencies. A “do it yourself” ethic to everyday (and often, very boring) problems. I imagine many years of so-called gainful employment, all to make sure the plan stays on track. Because without the plan, without the earnings and the savings, there is no early retirement.

But I can’t relate. I’ve lived this plan – this religion – and in my experience, it’s brutal on the mind and soul. Here’s why: if you spend your days finding clever ways around consumer purchases, you haven’t won any battle that’s worth winning.

If I had stuck with this way of doing things, I probably would have found ways around consumer purchase until year five before exploding, saying “screw it,” and getting a loan on a brand-new, big-ass truck.

Screen Shot 2017-03-23 at 11.51.16 AM

So much for the plan.

But since my experiments with the religion of early retirement, I’ve guzzled a different kind of kool-aid.

To me, getting financially fit means treating your personal finances like a business (steps one through three). They’re the natural first steps to being enterprising. The most meaningful changes happen in steps four and five.

Here’s how I’d write the steps, TMBA style:

  1. Radically reduce your spending.
  2. Become debt-free. Aggressively pay off your loans. Ideally, no mortgage.
  3. Save as much as you can, and invest those savings safely.
  4. Become an entrepreneur, start or buy a small business.
  5. Retire early, often, or not at all. Up to you.

In case you’ve been skimming the article, it’s worth saying out loud:


If you have a job, or don’t feel ready to start your own venture, get a gig that will help you build the skills and resources you need to eventually start a small business (even if you get paid less). We call that ‘becoming an apprentice.’

Regardless of what your answer is to step number four is, we might come together to agree on this point– it’s complicated, and it’s difficult.

Pie Chart

The Steps in Terms of Difficulty

It’s so complicated that most financial gurus outsource step four to jobs and investment funds.

(They also often fail to follow their own advice, working long guru-hours instead of cutting back on personal expenses).

There are lots of reasons for not talking about step four.

So I perk up when they do talk about it.

And recently, Mr. Money Mustache talked about step number four. Which got my interest.

Here’s MMM (emphasis mine):

“For the past two years or so I’ve been keeping a secret from you, and I think today it is finally time to spill the beans.

The secret is that my wife is no longer really retired, and in fact she started a business that is now big enough to fund our entire family’s lifestyle.”


Mr. Money Mustache’s wife used her free time (thanks to being frugal, being out of debt, and having savings, steps 1, 2 and 3) to build a business that now covers their living expenses.

I kept reading the article. How long did it take Mrs. Money Mustache to cover her expenses with her new business?

“This was in April of 2014. That’s when I started my first [ecommerce] shop.”

It’s now almost April 2017, I thought.

That’s three years.

I started to feel some unwarranted and sanctimonious vindication.

The business started 1,000 days ago.

If Mrs. Money Mustache had sought my advice about how long it might take her, or her readers, to cover their living expenses with a small business, I would have guessed three years. I’m on the record.

Three years might sound like a long time just to cover expenses, but it’s much less than the majority of retirement strategies. And it’s just the beginning. Small business ownership and expertise, much like stock ownership, can compound. As an owner, you can also directly influence the value of your portfolio. (Doing so in the stock market, by contrast, is both illegal and unfair).

I don’t say any of this to knock Mrs. Money Mustache’s ecommerce store.

What she’s accomplished is amazing.

It really is.

I’m just, you know, arguing about religion.


Entrepreneurship is hard. It takes years, not months. It can feel daunting, just like paying off $100,000 in student debt or foregoing a vacation to pay down your mortgage.

But payment by payment, step by step, you can make progress. And, when you look back, the most critical moment in the process was believing you could do it in the first place. It was thinking “Ya know, I’m gonna stop saying “screw it,” I’m going to return my awesome big-ass truck and focus on financial responsibility.”

I know that’s hard.

But the hardest part is still ahead of you.

If you stop there, after setting your budgets, filling out your spreadsheets, planting your garden, and wisely investing the money you’ve set aside, you’ve missed the point.


How many people do you know who earned a high salary for 15+ years? Or who stayed healthy for an entire career? Or whose job didn’t move to a place they didn’t want to work?

And, even if all those factors work out, and they love their jobs, at the end of it they’re living on a fixed income.

I’ve met people like that in real life and you know what most of them have in common?


Fear that the money will go away. That the plan will get messed up.

And perhaps the strangest one of all: fear that they will live too long.


I’m not saying entrepreneurs are fearless people, of course. But if we have confidence in the future and the courage to try things, it’s because we’ve spent years investing in a set of skills that can adapt and grow stronger.


Is starting a small business risky? Perhaps. But my religion only asks for a few years, not 17.

And you’ll be investing at the same time – in yourself, and in your own skills.

Let’s say the economy takes a hit and Mrs Money Mustache’s business goes under. That’s a huge setback, but her three years in business have helped her hone a dynamic skillset and a set of relationships that will serve her next business.

And in fact, here’s what Mrs. Money Mustache says about the second store she built:

“This second shop is so much more fun than the first. For one thing, I am making products that I love using myself and really believe in. I also had so much experience at making my first shop successful that the second one was much easier. I had a few customers that shopped at my first shop that immediately bought from my second shop. So, that first sale came much faster.”

That sounds a little bit like… compounding.

Let’s take this a step further. I believe TIME is more valuable than MONEY. So, why not prioritize making our time compound as well as our money?


Over the past few years, I have taken Mr. Money Mustache’s advice, (and that of many of his colleagues) investing some of my savings in an index fund. This year, that money grew a little bit. Pretty cool! But those returns, even if they remain good for a decade, would pale in comparison to what I’ve achieved in my own small business.

Those returns have been 30x in the last 8 years. I have effectively “retired” in less than a decade.

And the whole time I traveled and bought most of the things I wanted, without thinking about any of it too much (I didn’t buy that big-ass truck, though; instead, I picked up a van).

Both strategies have risk, and won’t work out for everyone.

But Ian and I both believed that if “the market” could compound our money why couldn’t we compound it with our own effort? Why not be financially responsible and cut out the middleman?

Screen Shot 2017-03-23 at 12.03.05 PM


Perhaps my conviction here derives from a very basic issue: when I had a career, I felt powerless.

I did my work according to the strange timeframes set by society. I had little control over my physical location. I took a lot of abuse from customers. I moved my apartment when my bosses moved their office. I came to work when they said I should come to work. And, when I had to go to the dentist, I worried that it would cause a problem (or worse, that it impinge on the few weeks a year I had away from it all – my so-called “holidays”).

For these and many other reasons, I’m always just a little bit suspicious of people who insist that they “actually love their jobs.” I’ve met so many people who have the best jobs I can imagine, and the reality is often something between “It’s okay” and “I’m stuck.”

Even rarer is the career person who’s built equity in their work, relationships, education, and profession over decades, only to drop it all to go do something else and live off their savings. Those who truly love what they do, and the people they do it with, find it very hard to walk away. And if you do walk away, how much did you love what you were doing in the first place?

I’ve also met a lot of self-made millionaires who have retired early. And here’s the thing about them – they are almost never people who ‘hit it big.’ Instead, they’re people who worked on their businesses year after year. That small store eventually becomes a big one.

When I ask these early retirees how they made their money, how they take Wednesdays or entire months off, the answer almost always boils down to:

“I started a small business.” 

But maybe the popularity of early retirement blogs will change all that.

And perhaps I only see cases that confirm my beliefs.

At the end of the day, the early retirement crowd and I aren’t so different. We’re like alternative sects of the same religion. The facts are the same: Be smart about your money. If you must drive, drive entrepreneurmobiles! Find financial and personal freedom.

Over the years I’ve heard hundreds, if not thousands, of early retirement stories in-person, from young and middle-aged people all around the world. I go out of my way to have these conversations.

Fifteen years ago, if I had overheard a young American couple in a cafe — on a Wednesday afternoon in Europe — talking about how much they were looking forward to spending the summer with their families, I’d have assumed they were from old money. Today I’d listen in for more clues. I probably wouldn’t be able to help myself – I’d interrupt them and ask for the story. How did they end up with so much control over their time?

I’m fascinated by the ingenious ways people make it work. You built an online store that sells what!? 

So you can blame my spotty memory, or religious allegiances, or the cities I frequent, or the circles I hang out in.

But for all the early retirement stories I’ve heard, “We paid off our debt, built winning careers that we loved for just over a decade, quit, and now we’re going to live off the interest indefinitely” would count as one of the most unique yet.





Ps: Thank you to MMM for his truly excellent blog and for helping inspire this article. I know I’m using his ideas a bit unfairly here. For example, MMM does go into great detail often about how he uses his savings to do enterprising things, like invest in real estate, support charity initiatives, and give back to his community and society as a whole. It’s also most certainly the case that a meaningful percentage of his audience are entrepreneurs. I’m making a religious argument here, but we agree on lots of the smaller points.

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Published on 03.28.17
  • A book is just a long stream of structured blog posts. ;)

  • hehe, appreciate the encouragement!

  • I was thinking more about this, some assorted thoughts…

    — — — On the Time as an asset class metaphor —- ——-

    “I believe that the reason we reduce debt and change our spending habits is not to stockpile salary, but to take control of an even more precious resource — our time.”

    I have for years quite a few years been a lurking fan of the early retirement crowd and I think that core underlying philosophy you point is why is why: **Time is the fundamental asset class**

    You trade time for all other asset classes (money, travel, relationships, etc.) at varying exchange rates.

    This was the core insight from the Four Hour Work Week – You start with time and you are able to trade it for other asset classes, he lists money and location but of course there are many more.

    E.g. The currency of relationships is sacrifice and time (spending time together is) is the easiest and default sacrifice.

    I think there’s a lot more that can be done with that metaphor (and you do quite a lot of it here).

    ———An attempt at a rigorous definition of Fuck You Money—

    There are quite a few gradients of owning your time, but I would contend that the ultimate form of owning your time is simply Fuck you money.

    What then are the components of fuck you money? It is commonly thought to simply be a number in a bank account, but it appears to me quite a bit more intricate than that.

    It has, as I see it, these major components.

    1. Cash – money in the bank
    2. Cashflows – money coming in replacing that money in the bank
    3. The ability to make it back –
    4. The Ability to Keep It
    5. **Bonus but not required** The Ability to Grow it

    The equation works out to something like

    FU$ = (Cash + Present Value of Cash Flow) * The ability to make it back * The Ability to Keep it

    This multiplication is important because if you don’t have the ability to make it back or keep it, you don’t have Fuck you money. You are fragile.

    ——— Indexing vs. Stair stepping ————

    The whole early retirement idea is that once your income from passive investing eclipses your spending then you own your time.

    This is the exact same idea behind Rob Walling’s stairstep method – once your income from “step 1 products” – single sale, single channel offers passes your spending, you own your time.

    Rob’s theory makes more sense because it’s just much faster on an expected value basis. The idea behind the 1000 Day Rule – you can replace your job and own your time within three years.

    To do it with index funds alone and using the 4% safe withdrawal rule that would require saving 85% of your take home income which is **brutally hard**.

    If you start from the question “What is the shortest route to owning my time on an expected value basis?” then starting an internet based small business is the best answer on an expected value basis.

    This is why the 7 day startup was so good. Even if you include Dan’s 8 years of running a web agency in the picture, he still got to the point of owning his time within 11 years, 5 years faster than if he had stayed at his government job and saved 50% of his pay check.

    And Dan had the disadvantage of starting 12 or 13 years ago when it was way harder – there were less blogs, podcasts and communities to learn from. It’s much easier now.

    Also, IT’S WAY MORE FUN. If you go back to the time as the fundamental asset which you trade for all other classes of assets then trading say 5-7 years of your life building a small business that you find interesting (and perhaps doing it from Vietnam or Barcelona, because why not?) is way better than spending 15 years of your life doing a job you don’t really like.

    ——— On Fragility and Real World Risk — — —

    The other thing that factors in here for me is that, as the pie chart points out, making money is the scarcest resource in the FU$ equation. There is lots of cash floating around, plenty of cash flows to be seized and you can learn to live cheap in a few months.

    As I get better at making money, I worry less about money even if there is the same (or less) money in the bank than a year ago. I know how to make more of it. It is a skill just like learning to play tennis or speak another language.

    The indexing thing scares me because it is not a skill, it is a bet over which you exert no agency. Moreover, it is a fragile bet with concave exposure. You have limited upside (12% in a year would be a epic) and infinite downside (70% drawdowns are not unheard of and we are probably due for one).

    If public market returns don’t match what they did over the second half of the 20th century (and I think it’s incredibly unlikely that they will), what do you do? You are a turkey on Thanksgiving to use Taleb’s analogy.

    Making money through a small business is much more transferable. There are many stories in your community of people who had a business dry up and within a short period of time were making as much or more money from a new business.

    7h years ago The Empire Flippers had their BPO business dry up, within 2-3 years they were doing just as well from their Adsense flipping. That got dinged by Google 4 years ago and within three years they had a website marketplace business on the Inc 5000 list. That’s what Anti-fragility looks like in practice.

    — — — What’s the spot price of your time? — — —

    Note: I’m not sure if this makes sense, but there is something here…..

    One other extension of the time as an asset class metaphor – I went back and read some old MMM articles after this including a summary of a book called your money or your life where he does that math that a person making $50k/year actually make ~$10/hour after deducting taxes and all job related expenses (clothing, commute, etc.) So if you pay $20 for a meal eating out instead of eating at home for $5, that costs you 1.5 hours of your life.

    A lot of entrepreneurs do something similar – a rough calculation of what they are willing to pay to buy back an hour of their time. If there business is making a $100,000 in profit and you assume 250 working days in a year and 5 hours a day then an hour of time is worth $80.

    (You can play with the math here – if your business is making $100k in profit now, it’s likely that the future value of your work is probably higher, but I’ll do it conservatively since I’m not deducting taxes or other work related expenses).

    In this scenario then $80 is the “buy price” of your productive time. You should be willing to buy back an hour of productive time at $80 – there’s a LOT you can outsource for $80/hour or less.

    (You could get more complicated with it – an hour of my morning time after a good nights sleep I would value much higher than 5-6pm after a bad night’s sleep when I’m useless, but we’ll keep it simple)

    I think it makes sense to combine the two and have a “productive hour buy price” and “unproductive hour buy price” – So in the $100k/year example above, you should be willing to buy a productive hour for $80 and an unproductive hour for $20 (just taking his math of $10/hour for a $50k/year earner and doubling it)

    Also, taking his math, if you earn $100k/year then the math of $20/hour is a good heuristic for buying things – would you rather have those new $200 jeans or 10 hours of your time?

    I started going to a BJJ gym earlier this year because I did similar math and figured I was paying $200/month and going to about 10 classes per month so it was costing me $20 or 1 hour of my time to be able to go there instead of the cheap gym I was training at. That was worth it to me, but the jeans wouldn’t be.

  • hmmm… let’s see if I have probability chops ;)

    Things I think everyone can agree on:

    10% success rate for starting a small business – 9/10 small businesses fail (I doubt this is true for internet businesses and that this number is better, but I don’t think anyone will fight me on 10%)

    Average $10k in startup costs for an internet business – it takes way less than that on average especially for models like agencies and productized services from what I can tell, but you can manufacture an ecommerce product in china for $10k which is probably the most capital intensive way to start, so I’ll take that as a high end.

    That means to start a successful business costs you $100k. (10% success rate * $10k)

    If you take the Empire Flippers marketplace math here
    ( that you have an expected value of $711,152.27 in 2.5 years.

    I’ll pad that and let’s say it takes you 2.5 years of failed business ideas to get one that works, then you have turned $100k into $711,152.27 in 5 years

    That is a compounded annual return rate of 48%.

    I am also leaving out of the profits you could take out of the business while running it – this assumes you invest every cent of profit back in.

    Is there anything that the FIRE folks would reject in terms of math?

  • Oliver Oberdorf

    When I look at the entrepreneurs who share their stories from the earliest days (Johnny FD, Sharon Gourlay for instance) – it really stands out that they felt free and happy from day 1. Not 17 or even 10 years later and only by reducing their expectations to a stay at home life. Sure, they still worked their butt off – but they also got “paid” with the life they wanted immediately, and that seems like the best deal of all.

  • Good point, there’s a ‘quest’ element to it. I remember the early days as very challenging but perhaps most importantly as thrilling.

  • I like the path you are walking down here, to my eye it seems perhaps a bit rosey as some of the failures can lag and take longer to sift through and determine as failures. That’s where this can go wrong for entrepreneurs. Perhaps an important distinction that’s unclear: 9/10 small businesses fail or 9/10 small entrepreneurs fail? Not sure where the two probabilities intersect but I suspect the FIRE folks would take issue there. At least from what I’ve seen, the critical hang up is ‘identifying’ as an entrepreneur (something this article was an attempt to emotionally poke at a bit– like paying off 100K in debt is just as daunting as identifying as ‘entrepreneur’) but without that fully engaged mindset shift, it’s tough to do something like invest 90K in 9 failures. Mathematically speaking, however, it almost certainly makes sense to do so.

  • Jeff Pecaro

    10 years later, it seems like the most important question

  • @TaylorPearson:disqus said, “To do it with index funds alone and using the 4% safe withdrawal rule that would require saving 85% of your take home income which is **brutally hard**.”

    The biggest problem with this is the person is left living on the equivalent of 15% of their salary in perpetuity. Unless one’s salary was $1,000,000 a year, this would be such a limiting future.

    The only way to break that ceiling would be to continue a job, even part time, or develop entrepreneurship skills to increase income.

    Maybe living on 15% for 3 years could then secure someone their time to become an entrepreneur.

  • Dan is the man who introduced me to MMM almost 5 years ago. I still read MMM today even though I’ve never been the target audience. There are some concepts by MMM that are sorely missing from entrepreneurial circles.

  • As MJ DeMarco said in his book, the personal finance gurus never teach their audience how they got rich. They probably don’t share their path because it has something to do with getting rich by teaching others to never get rich.

    What I love about entrepreneurship is I can teach exactly how I made my money to as many people as I wish and it never diminishes me, but more importantly, it never diminishes the people I teach.

    Dave Ramsey’s path to wealth has been to teach people aspire to middle class and a life of labor. If he was to teach that to his audience it would diminish all involved.

  • Aristotle and Confucius readily agree :D

  • Michał Stradomski

    Thanks for the article. I realized I chased ERE while got to the “business class ERE” almost 10 years ago!

    Chasing passive income looks very inefficient. If you compare dividend stocks to hens you will see that “hands free hens” that give you 4% in “eggs” would be about 100x more expensive than regular hens that you only need to feed once a day and collect the eggs, ok…. and clean the hen house occasionally :) Do the math in your country/economy. It’s as inefficient as driving a truck to the grocery shop :)


    ERE is not about not working. It’s about a place in life that you don’t HAVE to work for money. Business is still, by definition aimed at making money.

    The only difference between businness and job is that you do not have one boss but many bosses aka customers. And you have to “serve” them to make that money.

    And you don’t have to wait for the magic 17 years. After one year or so you have your electricity bill covered to the end of your life!, then next bill, than a beer a day…

  • Trenton Thompson

    Although, in all fairness, we’re forgetting a few factors.
    • 7.68% for 10 years but one should factor in compounding interest. The quarterly 4% withdrawals would be slightly higher each quarter over 10 years.
    • This also assumes the person isn’t doing anything to earn income on the side. If they were the least bit entrepreneurial it could help a bunch – although they’d have to be careful not to make too much since it could affect tax rate and health insurance stuff.
    • On the contrary, one has to hope they don’t suffer some catastrophic loss that affects them financially, but also, they could incur a windfall just as randomly.

    I personally hope to combine the best of both worlds – work towards early retirement via 9 to 5 while building and selling an online business, creating a solid buffer where I only need 2% of my withdrawal to be comfy. Then once retired, move somewhere cheap and and do a fun side hustle to bring in side income even when retired. I have always wanted to try being a barista!

  • Thiago Ghisi

    Love this post!!! I’ve been reading about Financial Independence and Early retirement a lot in the past year or so and that is the first time I see someone actually mentioning a reasonable strategy for that: Entrepreneurship as the step 4!

    Being stuck on a job that you hate for a decade is never a good alternative and a perfect plan for a big disaster (depression, family crisis..,) on your path to FIRE

    One book that I recommend that goes pretty much on the same lines and it is even more agressive: The millionaire fastlane by MJ DeMarco

  • cheers Thiago glad you dug it, I also agree that Millionaire Fastlane principle’s are in line with the sentiments in this post. I enjoyed reading it very much.

  • Thank goodness … we thought we were the only ones who disagree with the “financial planners” and their good advice. We’re now in our mid 60’s and we became online entrepreneurs in our mid 50’s because it was too late for us to start saving for our retirement and we lost our “pension pot” in the recession You do absolutely need a million in your pot to have any kind of retirement. Thank you for sticking your neck out and saying it just as it is :-)

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