If you don’t have a gun, it’s not because it’s hard to get one, but because you are not a gun owner mentally, you don’t need it, or you can’t handle it.
The same is true for money. Money is not scarce — it is abundant. But you don’t have the mindset of a wealthy person, and you can’t handle large amounts of money. That is why you don’t have it.
Being your own armory, but for money, sounds way cooler than being your own bank.
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