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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请问哪一个文法是对的。还是都对，但意思不一样
谢谢

anybody?any comment?

这句我会选 to not have ...我觉得名词后面直接接 not to ... "听"起来还OK写出来就感觉有点怪

ok, thanks