I’m not sure about OP, but for me it’s mostly about risk tolerance. As your income source is much less stable, and you are exposed to much more risk if you have

I’m not sure about OP, but for me it’s mostly about risk tolerance. As your income source is much less stable, and you are exposed to much more risk if you have health problems, it means you need to do much more careful financial planning. Naturally, this implies building a decent savings account, and it also means it’s more difficult to take time off (“if I know for sure I have a client right now, wouldn’t it make sense to wait with vacation until it dries up?”).