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If I could go back in time and change just ONE thing, I would change what I said to ds1 in 2006 from:
"No, you can't go to Matthew's party because we don't have enough money for gas."
"No, you can't go to Matthew's party because we don't have enough money for gas unless we dip into your college fund but I see how important it is to you and selling one share of stock isn't going to make things that much worse than they already are. For all we know, the stock market might crash in a couple of years anyway."