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>> I think the reference you mentioned assumes you are an employee of one company which has a 401k or pension. <<<

That's the problem, I think. I AM an employee of a company. I just happen to do alot of freelance work on the side...there's some advantages to being a geek in the late 1990's :)

I'm still not clear on this after reading your post. Any further clarification would be greatly appreciated!!


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