A recent survey reveals that US adults currently hold
$32286 in cash on average. That's a pretty sizable chunk
of money to not have invested.
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not to have invested.
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請問哪一個文法是對的。還是都對，但意思不一樣
謝謝

anybody?any comment?

這句我會選 to not have ...我覺得名詞後面直接接 not to ... "聽"起來還OK寫出來就感覺有點怪

ok, thanks