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Message: <blockquote data-quote="bacha29" data-source="post: 5077728" data-attributes="member: 58386"><p>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?</p></blockquote><p></p>