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Are they pulling in the dough? Even if yes, they don't have time to invest.

Did you drop out in year 9? I teach some pretty smart school drop outs. But your grammar seems too good!

Engineers are smart and down to earth and love their jobs for which they are well paid. = save/invest heaps of money. Makes sense and good on them. Business studies came in 2nd. A very relevant course. This is interesting and encouraging to read: Even Arts students can be successful.