"I as a developer can't understand why anyone skilled wants to be employed." I'm mostly scared of the lack of a "guaranteed" salary. I'm a consultant for IBM W

"I as a developer can't understand why anyone skilled wants to be employed." I'm mostly scared of the lack of a "guaranteed" salary. I'm a consultant for IBM Watson. My skills are in demand. I could probably go on my own for about $150 an hour; work less and make more. I'm afraid to take that leap though. I have a family I'm responsible for and live paycheck to paycheck now. I also have similar experience in my job search but I attribute it mostly to me just being a failure at interviews.