Who trusts a financial advisor in a Toyota?
1) 6–8 months of living expenses saved as liquid is unrealistic for most people who live in a place…

That is a great quip!

Many years ago when I was in high-school I tried to offer my programming skills as a service to a few small businesses. One potential client seemed very interested but then he walked me out of his office and said “where’s your car?” When I told him I took the bus over, the look on his face told me I wasn’t going to be getting his business.

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