Introduction
It is my personal finance research. I find out that I run out of time to learn personal finance and investing study. There are so many hours I have to study before I can put those $30,000 US dollars and those $30,000 Canadian dollars into stock market. I like to figure out what I spend time from 2010 to 2019. What are most time wastes in terms of budgeting, and planning and personal development. The opportunity cost I lost from 2010 to 2019 to invest those 401 K and IRA fund, what are the most common reasons to lead those life style I chose to live.
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