You are right, I dont have a lot of experience freelancing. And I agree that the differential between rents in different places in the US large enough that one

You are right, I dont have a lot of experience freelancing. And I agree that the differential between rents in different places in the US large enough that one can decrease or increase it significantly by moving. I do however think that "the best insurance policy is to take care of yourself" is not really something you can bank on. Unexpected things happen. You have to set something up to prevent that as much as you can. In summary, I am not as opposed to your equation after this reply from you, but I still maintain its hard to do. As a challenge, I am going to see if I can accomplish it. Thanks for the kick in the back! :)