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RE: You need school?
Got my undergrad in economics. Didn't touch the stock market until long after I graduated. Could talk your ear off about economic theory before that, though (I'm a little rusty now).
Uni is good for some things, but you get out what you put in with most of it. Too bad it costs so much damned money in my country.
Yes, costs are out of control in the US in schooling and health care.
The key is to use what you learn and to always be learning.
thanks for your comments!