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Cooperate to share and solve investing/saving challenges:
 
Everyone solves problems (puzzles).
Some of us solve problems in a way that has both a short term and long term benefit for everyone - including ourselves.

When we solve problems (for just ourselves) then we often end up exactly where we want to be - by ourselves.
As an independent investor, we may move quicker. But, frequently, our benefit may exist for only a short time or may be of limited value.
 
We may be handicapped when we invest by ourselves - because we are limited by what we know.  And, by never reaching out and sensitizing ourselves to our environment and the other investors in it - we may never learn what we don't know.

Another handicap with the independent process is that we always seem to be useful.
When we are right all of the time then we may not be able to afford the cost of being useless.
Thus, we must avoid or deny some ideas.

When we solve problems with others then we may also end up exactly where we want to be.
We create satisfying and accurate solutions for both a short & long-term duration.
Satisfaction comes from knowing we have a new and higher capacity to solve problems.
And, our accuracy improves as we iterate through our cooperative effort.