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This is a very interesting thread. To be honest with you, I don't think that the average person has a lot of leeway. I'm in a similar position -- just entered the job market last year, $10K invested, that's it. I suppose in the event of America's financial collapse, I'd be doing my damnest to buy (low) but also work my ass off to stay employed, or something.
It'd be a mess for everybody.
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