I&#x27;ve been running my &quot;consultancy&quot; for over 5 years. Roughly 15% of my annual revenue is lost to non-payment. Customers pay late <i>all the time</i>. Literally. I&#x27;ve never had an invoice paid on time. Customers cancel projects right before they start, or pause projects half way through to focus on other areas.<p>Due to these situations, I try to always have 3 months of salary in the bank. I never do, but I try. If you are paid net 30, and invoice at the end of the January, that check will clear your bank account early March at best. This results in Just In Time mortgage payments.<p>If I were to hire somebody to code, and focus on sales, I&#x27;d need even more money in the bank than I have. This leaves me in a bit of a pickle.<p>You need a lot of capital. If 3 months of buffer salary for two employees isn&#x27;t a lot of capital..... it&#x27;s time to admit you are in a strong financial position and not everyone can simply be an entrepreneur.<p>(To answer the inevitable &quot;charge more&quot; question, I&#x27;m available for hire and I&#x27;ll charge as much as you&#x27;d like :)