> insurance is ridiculously expensive–especially for people with families who want to be self-employed or contractors. That cost doesn't go away for people who

> insurance is ridiculously expensive–especially for people with families who want to be self-employed or contractors. That cost doesn't go away for people who are regular employees, it just gets absorbed by the employer. That's a big part of the reason you need to make more as a contractor than as an employee. Lots of costs get covered for you pre-paycheck as an employee that you have to pay post-paycheck as an independent contractor.