I get asked about it all the time and people always tell me they wish they were freelance, so here's the lowdown.
  1. I never get a vacation.
    If I don't work, the work doesn't get done and that can't happen.
  2. I pay for my own health insurance and it's almost 9k a year.
    Yep, almost $9,000 a year and it sucks. When you hit the "breeding" years, aka your 30s, your insurance skyrockets in prep for baby making.
  3. I don't have any benefits.
    No medical, dental, retirement, or life insurance. If I want it, it's on me.
  4. I spend a ridiculous amount of time organizing receipts for tax purposes.
    Keeping track of who gets billed for what and why, what I'm responsible for, and what's a legit business expense I can write off. I get buried in paperwork and I have my accountant on speed dial.
  5. Since my taxes aren't automatically deducted from my checks, I have to pay estimated taxes all year.
    It means saving money to pay them and remembering to do so.
  6. I don't get sick days either.
    If I'm sick, too bad. I work through it. When I had sinus surgery last summer, I worked completely doped up. The work never stops.
  7. Sometimes I see no people.
    This depends on what city I'm in and what work I'm doing. I spend a lot of time hunched behind my laptop silently pecking away forgetting that I have a voice. If too many days like that add up, it's not a good thing.
  8. Other times I'm traveling and working non-stop from early morning hours till 3am.
    It's a rollercoaster. Basically, freelance = weird schedule.
  9. No co-workers in the next office to collaborate with or bounce ideas off of.
    It's all on you.
  10. If I don't work, I don't get paid.
    Scary thought. I had to cut back on a portion of my work at the end of 2015 because of throat issues and I took a major financial hit.
  11. I don't have a regular schedule I can count on.
    So it's hard to make plans.
  12. I miss normalcy at times.
    Knowing you get off work at 6 and you can leave the office behind sounds kinda nice at times. Having a weekend free - I can't even imagine.
  13. I can usually work anywhere unless I'm traveling for a particular reason.
    I just need my laptop and wifi.
  14. I miss people sometimes.
    Just being around people on a regular basis.
  15. It's easy to burn out.
    It's a lot of juggling and a lot of hours working that people don't even know about. I wake up plenty of times in the middle of the night not knowing where I am. It can be exhausting.
  16. I can work naked if I want.
    But that also means it's easy to get into a rut of not brushing your hair for days because you won't see anyone. It can be bad. Especially when you answer the door without pants on.
  17. This sounds like whining but I'm just stating the facts. It's not for everyone but I've made it work for 9 or so years. Not sure it will be forever though.