Freelance

Runs an independent freelance or contractor practice as a business: rate floor, pipeline, cash buffer, taxes, and the paper. Use when going freelance or weighing quitting a job for it, when setting or raising an hourly or day rate, when the pipeline is empty and work dried up, when income swings and a buffer or tax set-aside has to be sized, when one client is too much of the revenue, when a client asks for free spec work, rewrites your contract, or sends an NDA you should not sign, when payment is late, disputed, or a project has to be walked away from, when self-employment tax, VAT registration, invoicing abroad, or IR35 and worker-classification tests come up, when insurance, sick days, holiday, or a pension has to be self-funded, and when the next step is subcontracting, productizing, or an agency. Not for managing one client relationship (`clients`), Upwork (`upwork`) or Fiverr (`fiverr`) tactics, drafting the contract document (`contract`), or issuing invoices (`invoice`).