What you get as an employee is certainty that your compensation will only increase in the single digits per year and that the pension fund will compound a part

What you get as an employee is certainty that your compensation will only increase in the single digits per year and that the pension fund will compound a part of your income in single digits as well (pension funds typically underperform the S&P; even in bad years). So either 2 years of “stable income” or the chance of much higher compounding rate. As I see it, employment is a nice backup if being self-employed doesn’t work out.