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There once were two boys who we will call Tom and Tad. They had a grandfather who did his level best to help them prepare for the future. Gramp taught them many things, one of which was to begin early preparing for retirement. He took them to New York City, toured the stock market on Wall Street and taught them about such things as stocks, bonds, and mutual funds. At seven years old the boys could recite the formula for becoming a millionaire.
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