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Apprentice missing first money-making initiative (6)

Ross

I believe the answer is:

earner

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'apprentice missing first money-making initiative' is the definition.
The answer and definition can be both people as well as being singular nouns.
Maybe there's a link between them I don't understand?

'apprentice missing first' is the wordplay.
'apprentice' becomes 'learner' (synonyms).
'missing first' means to remove the first letter.
'learner' with its first letter taken away is 'EARNER'.

Can you help me to learn more?

(Other definitions for earner that I've seen before include "One bringing in wage" , "Job making money" , "A worker for money" , "One paid for work" , "Person bringing in" .)

I've seen this clue in The Times.
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