That's why I've never really been tempted to get off the permie treadmill (in IT) - someone else takes care of the bookkeeping, sales, invoicing, chasing slow payers, etc., etc., ... And I get to take home my salary each month. A few times friends have suggested I go off contracting, but I just don't have the right mindset to make that work. It's easy to underestimate just how much of your time will be sucked into all these "non productive" activities.Its certainly not for everyone