The three main areas most job types fall into - Pension Arena, Matching Arena, Entrepreneurial Arena - which determine likely available resources, advantages, and disadvantages, as well as likely requirements to reach financial goals. Main advantage of pension arena is a pension (limited outside investments needed), for the matching arena is employer match and higher income (more self savings required), and for the entrepreneurial arena is highest income potential and time flexibility (most self savings required). As you move from the pension arena to the matching arena to the entrepreneurial arena, you generally increase your income potential and decrease your income security.