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Message: <blockquote data-quote="nomadbrah" data-source="post: 1338609" data-attributes="member: 10141">Interesting and useful advice.It's mostly for wage earners though as things change, quite dramatically, when you're self employed. Stuff that would be deemed unnecessary as a wage earner might suddenly become import as self employed:A cool car can help you land clients.A robot cleaner is not indolent luxury but time saved that you can work on your business.Not cooking your own food likewise.These are two very different mindsets. The wage earner has a predictable income (do you really though), and can work on eliminating expenses. The self employed has no stable income, but a much higher, theoretically limitless upside.</blockquote>