Years ago when I was beginning my civilian life fresh out of the Navy I was having a hard time finding a job. Little did I know that the one I found would be the start of building a decent retirement account. Not exactly a job working in construction, but close. I worked for a company supplying Job Johhny's to construction sites and major events. For those not familiar with Job Johhny's those are portable toilets. My job was to clean those when they were returned. The unusual part came in the form of additional untaxable income over and above my regular wage. Using a metal dector I separated coins dropped by users of the portable toilets. That was mine to keep. Over the course of a few years taking the change to the bank and depositing the procceeds in my checking account then opening an self directed IRA I was able to buy stock & mutual funds tax free on the gains over the years. Of course this is posted here in fabrications because none of this is true. It's to generate a mental image. How many thought as you read it, WOW that really is something I would have liked to do?