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... y all accounts, I don’t exactly fit the criteria for the mysterious wizened individual that’d occasionally spout out something profound and enlightening just cause he could.

For one, I lack the ‘wizened’ part of the moniker... don’t see where the wisdom was investing into shady loans from even shadier companies.

Secondly, I’m just a guy in my twenties. With the exception of one, I really wasn’t suited to be spouting out my two cents to individuals who have lived God knows how man ...

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