The odds are that you graduated from high school without learning the basics of money management. Read
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It has come to our notice that people are receiving calls from scammers pretending to call on behalf of Smart Money Solutions. WE DO NOT COLD CALL to promote our services or to ask for any personal information. If anyone is calling and pretending to represent Smart Money Solutions, please DO NOT respond. We have reported the incident to Police and also registered as a scam with scamwatch.gov.au.