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"Dad happened. You see, Dad has always had big plans. He didn’t see a career as a bus driver as the best way to finance his dreams, so as soon as Mom and Dad built up enough savings to buy a house, Dad invested it in his future.

He considered their savings as his seed money to buy a bigger and better future. He invested it into a loan sharking business.

Well, that sounded familiar.

"To his credit, his plan was working. He was careful who he lent money to, and he acted ...

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