Potential answers for "Pension substitute, for short"

⭐⭐⭐⭐ IRA
⭐⭐ ERISA
⭐⭐ QUITS
⭐⭐ RETIREE
⭐⭐ RET
⭐⭐ RETIREES
⭐⭐ INN
⭐⭐ IOU

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