Speaking of calls, your options when receiving one are to to pick up, hang up, or reject with a text message -- with a slide-up menu offering you the most common apologetic missives to send out.

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To pick the right type of plan for you, first narrow your options based on the amount you can save each year.

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Instead of picking 1 investment from the limited options angel investors see now, your opportunity set increases and you can pick multiple investments across the hundreds (or thousands) that are available on curated platforms.

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