You cant make money by guessing and gambling money is to hard to find to take pot shots with it its too easy to lose; and much harder to build wealth study helps taking chances wont work; sooner or later you will get wiped people are taking too much risk; everywhere one only realises one has been a mug, much later but though one has been suckered; some of the smarter ones learn from the experience most people permanently stay in the sucker class like they say; if you cant spot the mug; chances are; its you one has to work at it to grow out of the sucker class study / experience help but one has to beaver away to climb out of the sucker class some smart dudes dont believe they are suckers they are though!