You still don't get it do you? As a contractor which I no longer am you pay all operating costs , fund your own pension, buy your own health insurance and pay both the employer's and the employees share of Social Security. Beginning in 1978 I began saving for retirement buying farm Co op debt and 100 shares of utility stock at $16 a share which came along with a DRIP. Today that 100 shares is now 3200 shares and the price per share is much higher. Today with the help of a fiduciary dividends and cap gains requires me to pay estimated taxes every quarter. Disciplined saving combined with a fiduciary beginning in 1983 has resulted in a retirement that is by no means luxurious but I don't have much to worry about. Now do you get it?