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There are several good points that follow mine. Ray has a good handle on it because of what he does for knifemakers and his example of the market for custom knives is excellent. I would say that...

It's a pretty simple formula

1. Get a really good paying dayjob, or,
2. Have had a really good dayjob with a great pension, retirement plan, trust fund, or,
3. Win the lottery, then,
4. ...