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Good morning JLC!

Thank you for your response.

Yes, I know I need at least an e-fund. My initial start-up is with the hopes of starting an e-fund, the first I will have in years, and progress to retirement fund somehow.

I will start looking for taxable accounts at least.

For background, there is a SSA program called "Ticket to Work" for the disabled who hope to return to work. There is quite a bit of information and choices to make for those who participate. The disabled have certain options including a trial work period, income restrictions, and additional transition period to provide incentives and support to get people off disability without fear of losing everything by trying to regain full independence. A brief outline on the SSA site about maximum income restrictions and the trial work period:
http://ssa-custhelp.ssa.gov/app/answers/detail/a_id/317

Thank you,
Lois Carmen D.
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