Most people haven't done the math — and when they do, it's both exciting and sobering.
A $150k salary often needs $200k+ in freelance billings just to break even.
What actually stops most people isn't the math — it's the irregular income hitting a fixed-expense life.
The freelancers who win treat it like a business from day one: retainer clients over project work, rates that account for the gaps, and a 6-month runway before they quit.
Did you run the numbers — and what did they tell you?

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When I started piecing together what I should charge, it was an eye-opener. Then I started comparing my rates to others, and that was a bad idea. People undercut themselves constantly. You won’t survive or be successful if you can’t make a profit.

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One thing I learned in agency that translates to freelance…and I would say anything in business - Never compete on price, compete on differentiation

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