Working for yourself has a few challenges such as having a client run off sans large payment, another client on the slow to pay, a hellish project running behind schedule, and simultaneously have the scheduled child support check moved to the end of the month. There’s today’s TMI. This is why you are supposed to keep 6 months of income in your bank account when working for yourself.
easier said than done
I think it is impossible. I think everyone underestimates the expenses involved in working for yourself. To keep my first business going I liquidated everything, including a nice 401k plan, and skipped mortgage payments to make sure my employees got paid.