A. You can receive affordable healthcare plans through the Health Insurance Marketplace if you are considered self-employed. Shop around to find the best option for your financial situation. The Freelancers Union also provides insurance and a number of other tools to help freelancers navigate the world of self-employment, from rights and insurance to retirement. Roth and traditional IRAs can be of great help to freelancers, but which to choose depends largely on your tax situation. It is recommended you consult a professional first when considering an IRA.

Q. How do I explain my job to others who don't understand/look down on me/think I'm just lazy?

A. Most likely the feeling that people are "looking down on you" is an imagined one. More often than not, they are probably jealous that you get to make your own flexible schedule, have freedom to do things and still earn money. They might simply be curious about your lifestyle. On average, freelancers actually do more work than people with 9-5s because they are working according to their own schedule and can give themselves the breaks they need, while being driven by necessity to earn (plus they tend to love what they're doing). Someone who works a full-time job might come home and be entirely useless from 5:30 pm until the next day, but the successful freelancer can still be working at 11 pm with no qualms about it. I truly believe some people work better when they make their own schedule, and that's a great benefit to freelancing.

Q. Will I ever make enough money to sustain myself?

A. Honestly, maybe not, but that depends on a lot of factors. Here's something to consider: depending on how much money you're making in your freelance work, you may get tax write offs for things like a home office or other expenses related to your job. Otherwise, making money will be difficult at first and depend largely on your present capabilities. If you're a renowned art or book reviewer, you will immediately have more success than, for example, a fledgling photographer. On the other hand, I know plenty of seasoned freelancers who are making it work! Remember, as with anything: PERSISTENCE (and a lot of creativity) PAYS OFF.

Q. What if my ongoing freelancing arrangement is no longer fulfilling me?

A. If you have the luxury of quitting, do so. Many freelancers get exploited without even realizing it. Your time and skills are far too valuable to be wasted on a company or individual that is not respecting your work. You might need references later so you don't need to end on a bad note. Just tell your employer you think it might be time for you to pursue other jobs.

Q. Am I too young/old to be a freelancer?

A. There are a lot of misconceptions about freelance work. I would argue you're never too old to be a freelancer, and freelancing can even be a great way to stay active during your retirement years, if you want to keep up with something you enjoy. I started freelancing at the age of 24 and there have certainly been hurdles in my path, but if you have a joy and talent for what you do, and have a few things you know a LOT about, you're already ahead of the game.