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Investing with the goal of passing it along to your children is perfectly reasonable.

If at age 70 you decide to become a concert-level pianist, you're wasting your time.

Not if the process of trying to become one is itself enjoyable. I am a habitual setter of improbable goals. I decided I would become a world class acrobat (if you knew me, you would laugh at that idea). Did I do it, of course not. But did I learn to cartwheel, handstand etc. Yes.

Good for you! My mom is in her seventies, and she is about to graduate in Fine Arts.

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