All great points Rich.
I'm a licensed electrician and ran my own contracting business for several years. I did it while my wife still worked and we were on her companies' benefit plan. Once she left her job and we started a family, I had to start paying the price of admission for health ins, retirement, etc., it became quickly apparent that this was not going to last long. Not that I wasn't successful. I had a solid and growing client base, but when you have to start paying for EVERYTHING, it gets even more expensive, fast!
So it was time to find a full-time gig with benefits, which I did. Now over 25 years later in my current career, I'm glad I made the switch when I did.
Bob