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On the lower at the end timescale, europe attacks out of office osha welfare programs. I think very few individuals accurately and that tax incentives that they are facing. I think this savers credit, the motivation behind not to give lowincome families and incentives to save his wellintentioned, but if you cant sit down as someone with a phd in economics cant sit down and figure it out in 10 minutes, it is too complicated. I think the fact we have so many different tax favored ways to save makes it complicated. So you know, am i better off in saving, not just the retirement system. If i am an employee and my employer offers a purchase plan, a 401 k plan and a Health Savings account and have a limited budget for how much i can say is, its complicated to figure out where should i put that money, plus we have 529 plans. Weve got lots of tax favor ways to save. I think some simplification and some consistency across these different plans would be helpful. The wire for a three b. Plan has

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