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You missed the switch to negative- 1 through 4 are positive, while 5-8 in your list will be at a disadvantage, according to the article.

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Is it just me or does "People who don't need money" seem like it should be in the 'winners' list? If you don't need much money, won't you do well come what may?

Ya, was thinking the same. He doesn't present an argument as to why they are losers?

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