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You'll have 10, 20, 30, 40, $100,000 in their retirement account, and now you can actually make money in that domain.
In the meantime, you're selling them life insurance, health insurance, car insurance, banking services, mortgages, HELOCs.
There's a whole ecosystem of relationships that jointly within margins makes this a profitable relationship.
Listen to native speakers pronounce “helocs” in real conversational contexts with synchronized timestamps and subtitles.