Interesting thing about life: you’re exactly where you should be. This is based on your intelligence, your judgement, your ability to take risk, and your willingness to take risk—all of which can be improved with effort (by you, and you alone).
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Correct. What you are explaining falls into the category of “ability to take risk”. Yet no matter how bad a situation, you can always improve, even if it’s progress one millimeter at a time.