Operating as a self-employed professional brings an unparalleled sense of freedom, but it also strips away the financial safety nets that traditional employees take for granted. When you work for an employer, a temporary illness, injury, or market downturn is often cushioned by paid sick leave, disability benefits, group life insurance, and a steady, predictable paycheck. For the self-employed, however, the business owner is the entire safety net. If you cannot work, the revenue stops
