[WhyNotHugo]

What worries me the most about freelancing, or being a small 3-person shop, is retirement.

A 3-person shop might not be sustainable if me (1/3) decides to retire and has to pay someone to keep it afloat. And that is, if I find such a person. I also have to make sure that whatever service I provide, will keep making sense in ~30 years.

Saving might work in countries with stable economies, but you still have to set aside quite a bit of money -- and should you outlive your saving, you're in trouble.

[tluyben2]

Why do you want to retire? It is a question out of interest as I do not know many people (many of retirement age or above) that want to retire (anymore). Most who did retire in my circles (including me) found it not very inspiring and went back to (more than full time) work.

[smhg]

This. Being in such a situation it keeps me awake sometimes.

There are 2 obvious solutions:

- keep making sense until your retirement (innovate, adapt, ...)

- sell (for a significant amount, at the right time) in case of a saas or shop

Neither sounds solid, but they might turn out to be less bad than we think now?