This is, by far, my biggest motivator. Being able to plan financially for adequate time off. Also the flexibility of doing so: if I need to take tomorrow off,

This is, by far, my biggest motivator. Being able to plan financially for adequate time off. Also the flexibility of doing so: if I need to take tomorrow off, I'll just let the client know I'll be unavailable for the day, and not charge for it. If they really need my work to be done that day, I can offer a substitute, charge the client, and pay the substitute.