Episode 6 of 6
The Agency Offer
Fran's former agency offers her a full-time role at $115k with benefits. She models the real comparison: freelance at $90k average with Solo 401(k) and HSA vs. salaried at $115k with employer 401(k) match and health insurance.
Key Insight
After accounting for self-employment tax savings, Solo 401(k) flexibility, and business deductions, Fran's $90k freelance income nets $72k — vs. $82k net from the $115k salary. The agency offer is worth $10k/year more in take-home but costs Fran her schedule flexibility, HSA contributions, and the upside of $12k months. She declines.
Model This Scenario