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With tweleve years of stock market profits down the drain, Prozac Nation author Elizabeth Wurtzel wonders why no one is stating the obvious: The whole system is warped. "I would love to call the system despicable or detestable or something evil-sounding, but that would be giving it too much credit. It's really just the march of dunces."

It's a Ponzi scheme. The earlier you get in the better you do. It's a fundamental feature of our banking system.

Once you understand the Ponzi nature of banking and the stock market, it's not so difficult to step out when the shit hits the fan and step back in at the bottom.