In the 20 long hungry years between my late teens and late 30s I bought in to virtually every new diet and/or exercise regime that hoved into view particularly at this most vulnerable time for those of us prone to poor body image - a new year.

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The way I look at it everything is a trade. You acquire some money so then you've got no financial burdens but everyone wants your money and so who can you trust? Or you've got no money and you can trust anyone but then you've got the worry to pay bills. Which is worse?