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401(b) is belief and an agreement between you and 0cog that openly preserves a few hours of your free time each week that you carry into any new work relationship. The goal is to first preserve your right to freelance as you like. Then create projects with tools and program benefits that can be used in a variety of ways. It's up to you to use all of the program benefits, or just enjoy the fact that you have taken the step to own and preserve your rights that the 401(b) plan provides. 

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