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I would do it w/out even thinking about it, 40k is a HUGE amount of money especially for a 22 year old. Honestly I would go as low as 10k, Just that alone invested properly could create large amounts of money.
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The most important things are the hardest things to say. They are the things you get ashamed of because words diminish your feelings. Words shrink things that seem timeless when they are in your head to no more than living size when they are brought out. -Stephen King
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