Accounting and stuff costs you around 40$ per month, so that's negligible. Gym membership? that's maybe another 40$. Not to mention that you get tax credit for

Accounting and stuff costs you around 40$ per month, so that's negligible. Gym membership? that's maybe another 40$. Not to mention that you get tax credit for those, and other business-related expenses. Pension plans are all government-sponsored Ponzi schemes, so I wouldn't count on them anyway, but if you insist then paying your own, private pension fund is hell lot cheaper than state-owned one. The only significant downside of self-employment is that you can't get paid vacation so easily, but still it is possible to negotiate some. All things considered, the only thing that could force me to sign full-time employment contract would be a gun put to my head.