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Sorry, my point was I would have to transfer the cash from somewhere - be it from another account, the actual 401 account or from my paycheck.

Well, no, you don't.

You can transfer the cash in from *the same* account.

That doesn't make a lot of sense, but Quicken treats it as money materializing from nowhere. (And treats xfer-out to the same account as money just disappearing.)
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