Utilizing leverage to diversify across time

M21, still in school but have an offer signed with a trading firm for next year after I graduate, for around 800k. With the goal of trying to retire early, I’d of course be putting most of my earnings into investments. Recently I saw this paper that was interesting, it was about how individuals can achieve better diversification across their lives by having more notional invested early through the use of leverage, since people tend to have more money later than earlier. Paper here: https://pape

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