You've worked very hard for your money. Don't gamble on investments you don't understand, nor listen to pitches unless you solicited them.
There is a huge difference between long-term and short-term investing. Many people don't invest in stocks because they are afraid of losing money in the short term. But, that only affects you if you need money in the short term.
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A good early retirement investing strategy should be simple, focused on stocks, bonds, and real estate, and be executed consistently.
There are a few things to remember before investing in stocks:
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