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About The Author

Andrew Barnett is an award-


winning money expert, educator
and ASIC-authorised representative.

He regularly features as a financial


expert and has been featured in
The Australian, Financial Review
and hosted his own TV program
on Sky News Business.

Over the past 10 years, he has


helped thousands of Australians to
rebuild their retirement dreams.

He has won multiple awards in


Australia and in London..

Receiving an award from the Australian Receiving an award at the London


assistant Treasurer Stock Exchange

2 Never Run Out Of Money © Copyright 2019 Fortune360 All rights reserved
You Are About To Learn How Thousands
Of People Have Changed Their Lives

Bill Matheson touring historic Europe Bruce Elliot enjoying new thrills!

Liz Marshall holidaying at home Darren Mellor enjoying a beer

© Copyright 2019 Fortune360 All rights reserved Never Run Out Of Money 3
Table of Contents
Never Run Out Of Money Page No.

Who wants to run out of money? Not you! 05

Keeping the elephant trapped and trained. 07

How to retire richer than you are now. 08

How to refill your bucket. 10

Painting by numbers 12

How the system works 13

How long does it take to start giving you cashflow? 15

But why should I trust you? 17

What if we go into recession? Will I lose all my money? 17

Why are more people not doing this? 18

Who is this for? Who can succeed with this? 19

The Next Step If You Want To Learn More About This System 20

4 Never Run Out Of Money © Copyright 2019 Fortune360 All rights reserved
Who wants to run out of money? Not you!
There isn’t a single person on the planet who wants to run out of money.

Not you, not me, not anyone we all know!

In fact, it’s the number one concern for people who are already retired or are thinking about retiring.
Research has shown that as many as 1 in 2 Australians worry that they will run out of money in their
retirement.

And it may not even be a case of running out... even running short is bad enough. And then being
forced to sell assets and/or downgrade your standard of living is also not a desirable result.

Finding yourself in this situation is NOT how you enjoy what is supposed to be your Golden Years!

You have worked hard most of your life to get here, saved everything you can, and then… what do
you do if you don’t have enough?

There is nothing more stressful than to be constantly worried about money! It takes the fun and
enjoyment out of life — and it’s simply not necessary.

Everyone longs for and deserves a comfortable and secure retirement.

But what can you do if you’re not sure that your


superannuation will be enough?
When your income stops, you will be at the mercy of many unknowns and things outside your
control.

Maybe it’s the economic downturn. Maybe it’s the government changing the rules like taxes or
franking credits. Or maybe it’s the stock market fluctuations that could wipe chunks out of your
super overnight.

If so many things could change, then how can you possibly know if you’ll have enough by then?

Who can you turn to, and who can you trust?

What’s even worse, the advice from so-called experts is both frustrating and patronising.

* They will tell you to budget and be careful with your money.
* They will suggest moving to a smaller house in a cheap neighbourhood.
* They will tell you that you don’t need that home you’ve lived in all these years anyway!
* They will tell you to get a ‘retirement job’. But who wants to be working in a McDonalds
or driving an Uber when you’re 75? Not me, and I can guess not you either.

© Copyright 2019 Fortune360 All rights reserved Never Run Out Of Money 5
Or they say that you shouldn’t worry at all. Australia has one of the best pensions in the world: but
it’s still only enough to pay for electricity, petrol and food… maybe.

The sad truth is that most Australians fear the day when their income will drop off for retirement
— and they’re right.

Things change and get more expensive, and unless you have a huge pile of cash, who knows if this
will suffice?

But it doesn’t have to be that way!

Your retirement should be a reward for all the work you’ve done for 40 years, and not a struggle or
a source of mental stress. You should feel secure that you have enough money to do all the things
you’ve dreamed about.

For many people today this is, and will simply be, just a dream out of reach!

But it doesn’t have to be. It sounds crazy, but in this book, I want to show you how this is still pos-
sible.

This information is not the same old advice that financial advisors have been peddling for years.

It’s about a different and smart way to secure your retirement. It’s about how I discovered this better
way for myself and how I have helped more than 3,500 Australians so far to take control of their
financial futures too.

Even if you have fallen behind on your retirement savings, I’m confident that this book can give you
hope and provide you with the answers you need.

You can rebuild your retirement dreams. You can get back on track, and you can do it faster and
easier than you have ever dreamed of.

6 Never Run Out Of Money © Copyright 2019 Fortune360 All rights reserved
Keeping the elephant trapped and trained.

I want to tell you a quick story about elephants which I think will help you understand what happens
to us in life, and why so many people stress and worry about money and not having enough.

An elephant is one of the most powerful land animals on earth. It is capable of huge physical force.
In the wild, it can push down massive trees to get the berries from a branch out of its reach.

Yet, anyone who has been to a circus or a zoo will notice that adult elephants are tied up with a thin
rope — one that would snap the instant the elephant applied even the smallest amount of force to it.
It’s like an adult human being held down by a light feather, and it makes no sense. How can a flimsy
rope hold the world’s most powerful and majestic animal?

The answer is that, yes, the elephant could snap this rope with little effort. But first, it would need to
snap a different rope — a ‘mental rope’ — that is far stronger.

You see, what many people don’t know is that handlers start training elephants when the animals
are still very young. They take a wild baby elephant and tie its leg to a heavy metal chain — one that
the baby elephant is incapable of breaking with its limited strength.

Over time, the baby elephant accepts that pulling and trying to escape is impossible. As it grows,
it gets used to the idea that the chain cannot be broken. It stops trying and learns to accept its fate.

Once this ‘mental rope’ is in place, the trainers can replace the heavy chain with a flimsy
string — and the powerful animal will never even try to break free.

It becomes trapped by its own mind.

© Copyright 2019 Fortune360 All rights reserved Never Run Out Of Money 7
It’s amazing that this simple mind trick works on elephants. They are smart and have the largest
brains of any animal. Research shows they can solve problems as well as monkeys or dolphins.

But we human beings are even smarter, right? We have incredible brains and the ability to use logic
better than any other animal on earth.

Yet, many of us fall for a similar ‘trick’ every day. We get trapped by our own ‘mental rope’ — be-
cause we have been trained like the elephant.

Since we were young, we’ve been told that if you work hard and do the right thing, then you can
build your way to financial security in your golden years.

But the facts tell a different story:

* A recent study found that 1 in 2 Australians worry they do not have enough money for
retirement. Even after working hard all their lives, they are frightened that they will have
have to scrimp, save and live off ‘baked beans’ once their income stops.

* More than half of Australians are now retiring with mortgage


debt — triple than what it was 25 years ago. And paying off
mortgages is now one of the main uses of superannuation
lump sum payments. This means people have less to live
on for the final 20 to 30 years of their lives.

* Another study found that record numbers of people over


the age of 65 are having to go back to work to make ends
meet. Many are finding out that their skills and experience
are unwanted by prospective employers, so they often have to take on menial jobs like
driving an Uber.

It’s clear that many Australians are not living the great retirement dream. We’ve worked hard for 40
years, but we’re not enjoying the rewards.

So what’s the answer?

How to retire richer than you are now.


Let me ask you a question: how do you retire rich?

When I ask most people, I usually get an answer like, ‘You make a lot of money and save up a lump
sum in your superannuation’.

But there are a few problems with this answer.

First, Australia is an expensive place to live in. Our mortgages, cost of living, etc., are some of the
highest in the world.

8 Never Run Out Of Money © Copyright 2019 Fortune360 All rights reserved
This means that saving up enough money to live on for two decades or more is difficult for most
people. As I mentioned in the first chapter, more than half of all Australians don’t think they have
enough saved to live on.

Second, even if you have a big lump in your super, it starts disappearing as soon as you stop working.
It’s like a bucket with a slow leak — the money is draining out and nothing is replacing it.

Of course, interest or other payments from investments can top up the bucket a little bit every year.
But the reality is that the returns from super funds are just not that great.

If you leave $10,000 in the average super fund for 10 years, you might have $25,000. This is not
exactly life-changing.

Even more frustrating is that about 70% of managed funds that have been in business for 10 years or
more fail to beat the average index value per year. That means you could be paying the super fund a
2% to 3% fee for a service that will give you worse returns than the market index.

Superannuation may be one of the best legal tax dodges ever. But it is not the most effective way to
create income for retirement.

If all you have is a super fund to support you in retirement, then the bucket is always getting emptier.
And as soon as your income stops, the clock will start ticking.

What’s the answer?

* You could stop draining the bucket, which means that you could stop spending. That’s what
many people do. They scrimp and save. They pinch the pennies and live off baked beans.

* Or you can refill the bucket — create an ongoing source of income to support a more
comfortable retirement.

If you want to live well, travel and retire in comfort, the second option is your only real choice.

© Copyright 2019 Fortune360 All rights reserved Never Run Out Of Money 9
How to refill your bucket.
Okay, so we’ve established that to enjoy a comfortable retirement, you need a way to refill the buck-
et… a clever, low-risk, low-time and low-commitment way to generate an ongoing income so that
you are not dependent on savings alone.

The next question is, how?

Well, when I mention income, the first thing many people think about is getting a ‘retirement job’.
But that’s not what I’m talking about at all.

A ‘retirement job’ is not time-efficient or smart — nor is it retirement. It’s work.

A job that pays well will restrict your freedom, so you can’t travel or spend time doing the things
you want.

And a job that gives you freedom, like driving an Uber, will never make you enough to do the things
you want... but will still take time and pays minimum wage.

So a job is probably not the answer.

I’m also not talking about starting a ‘retirement business’. Again, this ties you down. Even worse, it
creates stress and risk when you should be enjoying a stress-free life in your retirement years.

Besides, four out of five businesses will fail within their first five years. Of those that are left, four
out of five will no longer exist within the next four years.

Do you really need that kind of stress and risk in your sixties, seventies or eighties?

Finally, I’m not talking about investing in property. Although property is a great way to create wealth
in good times, the property market right now is in a slump despite what the spruikers are saying.

But even if it wasn’t in a slump, it’s still slow. Plus you need a lot of capital to invest in real estate.

The banks have made it very difficult to get any type of loan now, and it can take years to generate
bankable returns (if at all). When you retire, you can’t afford to tie up your money for that long.

No, you don’t want any of these things.

Okay, so those are three income ideas that are either slow, risky, expensive... or all of those things
combined.

I wouldn’t recommend any of those ideas if you want true financial independence in retirement.

So what does that leave you with?

10 Never Run Out Of Money © Copyright 2019 Fortune360 All rights reserved
For most people, that rules out just about every income-generating opportunity they are aware of.

And that’s why they end up chasing pipe dreams and signing up for dodgy real estate strategies or
overhyped ‘get rich quick’ nonsense.

But there is one road to a potentially comfortable retirement that I haven’t covered yet. This road has
helped thousands of people live and enjoy a happier and more fulfilled life.

Here are a few retirees that have learned about this and are enjoying the benefits and lifestyle that
come with it:

Les Kovach cruising with his wife

* Les Kovach was recently retired but wanted to be able to generate some additional cash
flow to enjoy beautiful cruising holidays overseas. This strategy allows him and his wife
to enjoy the things they’ve always dreamed about by building building cash flow wit
out having to work.

* Jackie Winspear is also heading towards her retirement, building cash flow now so she
can enjoy a financially-free retirement sooner rather than later. This strategy lets her
potentially generate the sort of monthly income that many wait years to be able to enjoy
the sort of monthly income that can make a genuine positive change in your life.

© Copyright 2019 Fortune360 All rights reserved Never Run Out Of Money 11
* Michael and Gail O’Shea used this approach to supplement their pension so they can
enjoy a more carefree lifestyle.

Now, you can discover how to do this too.

So what is it and how does it work?

Painting by numbers
Have you ever seen those paint-by-numbers books that kids love?

Every area of a drawing has a number that corresponds to a colour. And as long as you follow the
instructions, you end up with a nice picture.

Well, a few years ago, I accidentally stum-


bled onto a ‘paint by numbers’ system for
making money in retirement.

It was during the Global Financial Crisis


(GFC). Banks were collapsing. The econo-
my was in turmoil. Super funds were losing
money at an astonishing rate.

But while the stock markets were in cha-


os, I was still making money using a small
investment strategy that I learned from a
friend who worked with a huge investment
bank.

As the crisis deepened, my wife suggested


that maybe I could show other people how
to make money too. So they could make
back the money that they’ve lost.

To be honest, I was reluctant at first. If you


don’t have the right training, you can lose a

lot of money in investing.

So instead of teaching people my strategy, I started letting friends copy me instead as I made
my investments.

I would do the hard work, study the market and look for great profit opportunities. Then they
would simply copy exactly what I did —- almost like ‘painting by numbers’.

At this point, I realised I had stumbled on a great business idea.

12 Never Run Out Of Money © Copyright 2019 Fortune360 All rights reserved
So I started offering strangers the chance to copy me as I invested. Many of them didn’t know
anything about investing but they still made money.

The business became a worldwide success and won multiple international awards. I also host-
ed a TV show, got featured in national news media, and at the time of writing, have helped
more than 3,500 people.

Andrew at the Sky News studio

How the system works


Imagine you’re sitting at home just going about your business. Then an alert pops up on your mobile
phone that says, ‘Andrew has just taken a small investment’.

The alert tells you what that investment is. Tells you what I have just bought or sold.

Exactly where I’m going to enter the investment to potentially make money. It even tells you how
you can copy the low risk strategy I use to keep my downside risk to less than 2%.

All you have to do is copy the numbers that I give you onto your own account. And you can do that
in just a couple of minutes.

© Copyright 2019 Fortune360 All rights reserved Never Run Out Of Money 13
But the thing I really love are these:

* You don’t have to do it right away. It’s very flexible. You never have to stop what you’re doing.
You can take your time and get to it within hours of receiving the alert.

* You don’t have to use a computer either. You can do it on your mobile phone or tablet device.

* You don’t have to be some technology geek to use this system. As long as you can use Inte
net banking and send an email, you should be okay.

* You don’t need to know anything about investing. In fact, people think you need to know
more than what you actually need to know.

Now, of course, I’ve been doing this for a long time already, so I will be investing a lot more money
than you. You will probably be using a smaller amount of money — as little as $500.

But the process of taking the investments I’m taking and following me and my expert team is exactly
the same.

Want To Know More About How My System Can


Help To Potentially Create A Retirement Income?

Click Here To Secure Your Complimentary Consult Now

14 Never Run Out Of Money © Copyright 2019 Fortune360 All rights reserved
How long does it take to start giving you cashflow?
Not long at all.

Now, most of my clients place their first small investments within a month. But if you wanted to
place your first small investment by next week or even by tomorrow, you can do so as well.

That said, I ask clients not to invest anything until they see how the process works in full. And then,
once you’re comfortable and ready, that’s when you can open and fund your own account.

It’s like learning how to drive a car. You’re not going to get your wheels and jump onto the freeway
on your first day, right? You’re going to go out to a local quiet street and learn how to drive the car
there first.

I do exactly the same thing.

I’ll ask you to put the money in the back seat for the first few weeks. It’ll always be there for you, but
let’s make sure we learn how to drive this thing first.

If you’re patient and follow what I do, you can potentially generate 30%+ returns by following my
small investments each day.

And that’s why this system works so well — you can potentially start generating a nice income in a
few minutes each day.

© Copyright 2019 Fortune360 All rights reserved Never Run Out Of Money 15
All that, without the need to risk the farm. Or the need to go out there and spend a lot of time doing
the research and analysis yourselves.

We actually do that for you. I provide you with inside tips to these small investments.

This is what the banks do. They make many small investments with a low risk but with a high payoff.
And I am going to show you how to do this too.

This is why in my opinion this strategy is much more effective than superannuation. You get a better
return on investment opportunity than you’re getting now — potentially much better.

And these returns can mean the difference between a stressed or comfortable retirement!

Colin Grant enjoying the beach

This system gives you peace of mind because you now have something that can potentially ensure
you never run out of cash. AND ALL IN A FEW MINUTES A DAY.

This beats driving an Uber if you run short!

Want To Know More About How My System Can


Help To Potentially Create A Retirement Income?

Click Here To Secure Your Complimentary Consult Now

16 Never Run Out Of Money © Copyright 2019 Fortune360 All rights reserved
But why should I trust you?
It’s a fair question, and one I would want you to ask.

The thing is, you’re not trusting me, you’re trusting a strategy that has worked for more than 100
years.

I invest in currencies because that’s what most of the big banks do. I buy and sell these currencies,
and then I make profits from when they move up and down.

The bottom line is, the reason why I invest in this market is the ability to manage risk very well. You
can minimise downsides as you invest for potential income.

Risk management is the first, second, and third most important thing in investing. It allows you to
answer ‘yes’ to the question: if things go bad, can we get out at the price we want to get out at?

It’s one of the reasons why investment banks and hedge funds invest in the currency market.

I have found that managing risk when investing in currencies is far more effective using my system
than say stocks that can have daily gaps that can be substantial.

Every single ‘tick in the currency market’ involves so much money that it’s rare to get big swings in
short spaces of time. Have you heard about a currency going bust? No, but I bet you have heard of a
stock going bust. The currency market turns over seven trillion dollars every 24 hours.

Even better, with my system, you always have control over your money. You own the account. You
invest as much or as little as you want. So there’s no one to trust but yourself.

It’s a great way to manage your money!

Want To Know More About How My System Can


Help To Potentially Create A Retirement Income?

Click Here To Secure Your Complimentary Consult Now

What if we go into recession? Will I lose all my money?


One of the benefits of this system is that it doesn’t matter what the economy does.

If the economy is booming, then we use one strategy. If the economy is failing, then we use another.

This is different from superannuation funds that want the stock market to go up. But we all know the
stock market doesn’t always go up. Sometimes it goes down for years before it goes up again.

© Copyright 2019 Fortune360 All rights reserved Never Run Out Of Money 17
Another benefit is that you don’t invest a lot of money at any one time. This means that even if
something crazy like 9/11 happens, you are only down by a small amount, in most cases less than
2%.

The world’s richest people use this strategy too. If they lose, they lose a little. But when they win,
they win big.

For example, I try to keep my risk level at approximately 2%. If everything goes wrong, I can live
with that.

Why are more people not doing this?


If it’s so great, then why isn’t everyone doing
it? The answer is simple:

Fear.

There are a lot of dodgy guys out there selling


get-rich-quick investment products. They cre-
ate a bad impression. And for someone like me
who has an ASIC license, it can be very frus-
trating.

If you look at the Trustpilot website, you will

see dozens of genuine reviews by our clients. You’ll also see that we’ve won many awards for our
system. But we still get lumped in with the spruikers.

That’s why I host live webinars where people can actually watch how I invest my money in re-
al-time. It gives people the confidence they need to take the next step.

18 Never Run Out Of Money © Copyright 2019 Fortune360 All rights reserved
Who is this for? Who can succeed with this?
Of course, this strategy is not suitable for everyone. You must have the right mindset to succeed.

* If you have substantial cash problems or massive debt, then this is not for you. You can’t
make sensible choices when you are under severe financial pressure.

* If you’re looking for a way to make millions overnight, then this is not for you either. My
system is for people who want to generate meaningful results over time, and not for those
who think they can get rich in the next five minutes. That doesn’t happen ever - despite what
spruikers claim.

* If you are a nervous person or a know-it-all, then this is not for you either. My system works,
but over the years, I’ve seen a lot of people panic, or ignore my advice, and suffer the
consequences.

Other than those exceptions, almost anybody can succeed with this system, provided you can follow
some simple steps.

There’s no secret formula. It’s not about you, your skill levels, or your knowledge. It’s about follow-
ing a process that’s been successful for more than 100 years.

“Income I can use for savings and holidays,” says Supu Kniathshilaita

© Copyright 2019 Fortune360 All rights reserved Never Run Out Of Money 19
I designed this system to be ‘paint by numbers’. I tell you what I am doing, and then you can follow
along. But I want to make it very clear that this is not an easy get rich overnight deal.

When you invest alongside me, you’ll see that I’m very conservative. I like to make small wins and
compound wealth over time. And that’s what my clients want, too.

For example:

* One of my client’s Ian Brown has been making on average 5% - 15% a month. Compounde-
dover a full year, this is a 100% return. That’s ten times what that average industry fund would
deliver in a good year.

* There’s Sean Schaffe in Brisbane who was sceptical when he first heard about this system.
But is now making stable returns he’s delighted with.

* Or there’s Les, whom I mentioned earlier. When he started with me, he was nervous. But he
followed the system, and now he’s making enough money to be ale to go on cruises and
holidays and continue to invest. Even better, he feels confident he can maintain this lifestyle
for the rest of his retirement.

Plus, many thousands of others. Today, I’d like to invite you to join them and start rebuilding your
retirement dreams, too.

The Next Step If You Want To Learn More About This System
In this book, I’ve shared some of my secrets for living a comfortable retirement even if you don’t
have much savings. But I’ve only scratched the surface. There’s so much more to you show you.

That’s why I’d like to extend you an invitation to find out more about my system, and see it working
with your own eyes.

Here’s what I suggest

* First, book a quick 15-minute private chat with one of my team to find out if this system will
work your situation. Small investments are NOT for everyone, so it’s important to talk to an
expert before you take any action.

* Second, if the system is a good fit for you, then I invite you to attend one of my private
investment sessions, FREE. During this session, you can watch how I invest with your
own eyes. You can see how the system works, and how it can help you to potentially create a
great retirement income.

Secure your complimentary consult by clicking the link below.

So you can find out exactly what we do and how it can potentially radically change your life. Plus at
the end of the one-on-one call, we will send you a link to a previous live trading session that you can
watch in your own time to get a look ‘inside’ our trading room.

20 Never Run Out Of Money © Copyright 2019 Fortune360 All rights reserved
Book your call right now, it’s that simple. It’s free with no obligation. I look forward to hearing from
you.

Want To Know More About How My System Can


Help To Potentially Create A Retirement Income?

Click Here To Secure Your Complimentary Consult Now

To your success,

Andrew Barnett

© Copyright 2019 Fortune360 All rights reserved Never Run Out Of Money 21
DISCLAIMER: The material in this publication is of the nature of general comment only, and nei-
ther purports nor intends to be advice. Readers should not act on the basis of any matter in this
publication without considering (and if appropriate, taking) professional advice with due regard
to their own particular circumstances. The author and publisher expressly disclaim all and any
liability to any person, whether a purchaser of this publication of not, in respect of anything and of
the consequences of anything done or omitted to be done by any such person in reliance, whether
whole or partial, upon the whole or any part of the contents of this publication. Live Trader Global
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thorized Representative (Authorized Representative number # 335434) of LTG GoldRock Pty Ltd
(AFSL 286 510 / ABN 94 099 107 365). Trading involves the risk of loss as well as the potential for
profit. Please be advised that any advice provided by LTG GoldRock is general financial product
advice only, and may not be suitable for everyone. Please consult your licensed financial consultant
to decide if trading in Foreign Exchange is suitable for your personal financial situation.

HIGH RISK WARNING: Foreign exchange trading carries a high level of risk that may not be
suitable for all investors. Leverage creates additional risk and loss exposure. Before you decide to
trade foreign exchange, carefully consider your investment objectives, experience level, and risk
tolerance. You could lose some or all of your initial investment; do not invest money that you can-
not afford to lose. Educate yourself on the risks associated with foreign exchange trading, and seek
advice from an independent financial or tax advisor if you have any questions.

ADVISORY WARNING: Any news, opinions, research, data, or other information contained with-
in this document is provided as general market commentary and does not constitute investment
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any lost principal or profits without limitation which may arise directly or indirectly from the
use of or reliance on such information. As with all such advisory services, past results are never a
guarantee of future results. Trading involves the risk of loss as well as the potential for profit. The
author of this book takes no responsibility for the individual investment decisions the reader of
this book takes and recommends all readers of this book consult a licensed financial planner prior
to making a decision to invest in Foreign Currency Trading. There are no guarantees or certainties
in trading. Reliability of trading signals for mechanical systems is in probabilities only. Trading
real money involves hard work, risk, discipline and the ability to follow rules and trade through
any tough period. If you are looking for guarantees, trading is not for you. The potential to lose
money is real. Many people lack the discipline and are unable to be consistent. A system can help
you become consistent. The ability to be disciplined and take the trades is equally as important as
any technical indicators a trader uses. Ironically, worrying about the money aspect of trades can
contribute to and cause a trader to make trading errors. Therefore, it is important to only trade real
money with a risk capital plan. The reader of this book acknowledges that Live Trader Global, Inc.
dba LTG GoldRock recommends and advises all its members track and keep their own statistical
results on trades and to develop a trading plan in accordance with this analysis. They take complete
responsibility for their trades and acknowledge and accept the risks associated with Forex trading.

22 Never Run Out Of Money © Copyright 2019 Fortune360 All rights reserved

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