Freelancing also means no employer-facilitated 401k, no employee match, and no subsidized or concerted means, other than the portion of your freelance checks that go to Social Security every month, to save for retirement. It often means hiring an accountant to deal with labyrinthian tax structures, and getting paid a flat fee for the end product or service, regardless of how many hours you put into it. It means complete independence, which in the current capitalist marketplace is another way of saying it means complete insecurity.
