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 Things do get better. You start a small business in your spare time, and employ people from the local village. The business starts to be successful, then very successful. Do you: 

a. Carry on working in your business. Why stop now? You enjoy the work. Go to 27 

b. Stop working and sell the business. You will get a lot of money, which you can put into a bank where it will earn 3% interest. You can retire.    Go to 19