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In response to "honestly, i cringe here when advice is given without some sort of disclaimer or statement that doesn't acknowledge..." by x

true enough, I tend to consider it a given.

But then, I'm more risk-averse by nature than many (not that you'd know it if you look at my 401K mix. I let conventional wisdom [you're young, go risky, but divesify] rule override my nervous persona there)

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