You know what else gives you insane amount of security? Insane amount of money in your bank account :) If you are working on B2B contract, making 750 euros per

You know what else gives you insane amount of security? Insane amount of money in your bank account :) If you are working on B2B contract, making 750 euros per day you'll quickly accumulate savings, and having 100-200k euro in your bank account allows you to not be worried about where to find your next contract. Also, if you are running business in Europe you are still paying social security fees for yourself, so you still get that "free" healthcare, pension, and even sick leave coverage. As per mortgage, you still can have it (although with all your savings you'll probably never need it), provided that you run your business for at least a year and have regular cash flow. The one disadvantage is that leadership roles and promotions are usually reserved for permanent employees, although some companies employ team leads or PMs on B2B contracts as well.