What am I doing wrong?
You're trying to do raw transactions yourself instead of just using Armory.
Bitcoin-qt / raw transactions are my only choice because I have tried both armory and electrum and I can't get them to work on my computer. Plus, having read all the theory about raw transactions, I am trying to put theory into practice for educational purposes, so using armory won't help in this case.
You are playing with this on testnet, right?
Attempting to learn how to use raw transactions on the real bitcoin network is a great way to lose money.