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James Ball
jamesrball.com
did:plc:iriguxga3a3ngc4ezfk56knk
I'd be curious to see the difference in results if you asked this question in America.
Might help explain why British financial advice is centred on turnjng down your thermostat to save 37p a day, while US financial advice is all about investment...
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2026-07-23T14:25:01.265Z