Me: I don't know much about stocks or the stock market.
Jack: Making money in the stock market is not easy. You would have to lose a lot before you understand how to make money.
Or,
Me: I don't know much about stocks or the stock market.
Jack: Making money in the stock market is not easy. You would have to lose a lot before you understood how to make money.
which conversation is correct?
This is how I would write it: Jack: Making money in the stock market is not easy. You have to lose a lot before you understand how to make money. It's simpler this way.
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This is how I would write it:
Jack: Making money in the stock market is not easy. You have to lose a lot before you understand how to make money.
It's simpler this way.