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Hobbyist photography – people taking photographs mostly for fun, of whatever they want, but with more intentionality and better gear than amateurs. Usually, they’re trying to be a bit artistic, but they’re still not trying to make a career out of it.
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In a traditional 401(k), the contributions are made prior to being taxed and grow tax-free until retirement age. Some employers offer Roth 401(k)s, which allow contributions to be made after taxes. If you select this option, you won’t pay taxes on withdrawals during retirement.