Of course, the players will be excited about competing in South Africa, but you cannot save yourself for any game and he is too good a player to be accused of that.

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He tells people it's good to be in business for yourself, but always have a backup plan.

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You tell yourself, there will never be a good job waiting for me to excel at.

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So Jane Doe, as you unravel the who am I now question, it might be a good idea to let yourself off the hook for landing here, right now, with a big question mark on your forehead.

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That normally would be good news, since it means you can in theory make better choices for yourself.

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"I am a person who loves to take little victory laps whenever I can because the market is so fleeting, and you need to pat yourself on the back for a good call whenever you have the opportunity because tomorrow could be a different story, " Ms. Freedman says.

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And through the discipline of good planning and the miracle of compound interest, you should be able to build wealth for yourself and a better future for your family and a secure retirement.

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