20 Reasons You Shouldn’t Be a Freelancer

4. You Need Benefits

Some people can’t get by without benefits. If you have existing health problems, you’ll almost certainly need health insurance. And even if you’re healthy, that’s no guarantee you will be in the future. Plus, if you have kids, you’ll likely want health insurance for them, too.
This is one of those issues that’s not going to matter in countries with universal health coverage, but even in those countries there are other benefits you may not want to lose.
If you’re self-employed, you’ll no longer have employer contributions to your retirement plans. You won’t get paid sick days or personal days anymore. All of these things will need to be built into your budget or schedule.