Risk, indeed. And always the first disposed of, yes. The first rule of being and independent contractor is to have a year's worth of expenses in the bank. Obvio

Risk, indeed. And always the first disposed of, yes. The first rule of being and independent contractor is to have a year's worth of expenses in the bank. Obviously you don't get to that instantly when you're starting out, but you should try and get there as fast as possible. Two years safety cushion is even better. Having no debt is a huge, immense advantage. Disclosure: I've been without work for the past 20 months, and will remain comfortable for another year if need be.