[ska]

Typically for a freelancer/contractor (as against a consultant) yes but also no. On a nominal hourly or whatever rate you come out ahead, but life can throw you curveballs that mean you don't end up ahead.

[torgian]

This. And I started low too. But keep in mind my situation is _not_ typical at all.

It’s a bit big to share here and it’s late but I’ll get back on this