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In many cases, it is not a choice. I have net many people in life who worked incredibly hard. However, they never managed to make enough money that could help them live a luxurious life. So, your fate could play a huge role.
Exactly, that is why they say no condition is permanent. Do not assume cause you are in a position of power you can do anything you like. No one knows tomorrow. You might not need help now, but tomorrow might be a different story.
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