I liked the essence of the article, especially the beginning where a strong point is made that secure really isn't that secure.
Part of the article gave me the feeling that you feel that people who are on a fixed income must be terrible at managing money, and that if you make a flexible income, that doesn't matter, because you can just earn more if you get into a tight spot...
I think all those people complaining about not having enough money would probably feel that same way (most probably worse) if they were self-employed. I don't see the necessary link. If you spend more than you earn, or close to it, yeah unexpected expenses will suck.
For me personally, I make a fixed income, and although I do very much agree with the beginning part of the article, about being subject to another's whims, or not being able to earn more if you would need it, I feel as if the other side of the coin is not being addressed equally.
I earn a very nice salary. More than I can spend, so for me I've come to a point where I have money left over every month. So that means, I don't think (or worry) about it anymore. I just focus on doing what I love and making sure I get paid for my added value. The fact that one month I might add more value than I get paid and the other month perhaps a little less, doesn't bother me that much.
Money isn't the point of my life nor of my work. I passed the "i must survive" mark a while ago and now it's just more of the same.
I might not be a millionaire and I might not drive 3 cars at the same time, but I don't care. I care for feeling good and creating. And once you are able to easily survive, I don't care how I am paid.
Do I think I'll be self employed in the (near) future, probably. Does that make things easier? Not necissarily. Does it mean I'll have more to spend? I'm not sure yet.
There is good sides and bad sides to having a job, and also for being self-employed. To being on a fixed income and being on a variable income.
I think a lot of the "problems" you suggest have to do with money management in general and with desire for stuff.
And perhaps with the "spend it before you earn it" idea that seemed so normal just a few months ago.
Keep postin'!
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