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How do I know they aren't gonna rug me?

you don't...

I'm a sucker, tho, so often falling prey to the Siren song of "oh, tax discount if you pay in a bit more??"

Maybe you will catch a lapse in withdrawal taxes. Who knows what the future holds?

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the entrepreneurial tax dodger! gotta backward-induct gamble when and where the state will rug you

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