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There are two kinds of gig employees: "independent" and "contingent" employees. Independent employees are those who are truly their own boss. Contingent workers describe people who work for another company or companies, much like routine staff members might, minus the security and all the other benefits that come with being a full-fledged staff member. Because very same Betterment study, 40 percent of employees said they feel unprepared to save enough to maintain their way o…

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