[DasIch]

You also have to pay employer contributions to insurance and you don’t make money, if you don’t have a contract, are sick or on vacation.

So you also have to make at least 150k+ to make up for that. If you were to make significantly less than that, say 120k you’re probably worse off in the end.

[argiope]

How do you come to 120k as break even point? I'm quite curious as which factors you have considered to get to that number.