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Yip, lol most people think I am older, I am not sure why :D

Well, take it as a compliment. The way you write and the fact you are teaching leads itself into the assumption you are not so young (wisdom usually goes with years) so good for you man!

Wish all the financial knowledge I have now - I had at 20. Thus, feel free to leverage my experience/lessons I post to your advantage, That is what it is there for. Steem on my friend!