Financial Freedom for Freelancers: Jan-Ole Fürl's F.R.E.I. Method at FUN25
500 euros a month for 30 years, and the interest outweighs what you paid in. An ex-SAP freelancer's four steps to money that works for you.
Finances
Marc Clemens
9am for freelancers
Knowledge Base
Guides on taxes, insurance, contracts, rates and finding clients, written for freelancers in Germany and Europe.
177 articles · Newest first
Mindset 21 articles
Self-Employed Mood 2026: Record Existential Fear, No Respect, and the Four Things You Still Control
21.2% of Germany's self-employed fear for their existence, a record. Nine in ten feel ignored by politics. Four levers stay with you.Freelance Challenges
Blago Yanakiev
Freelancer or Solopreneur? The Cook-vs-Chef Test in Six Questions
After ten years you have cooked in twenty kitchens and still need the next one. Six questions that tell you if you are a cook or a chef.Growth StrategyBlago Yanakiev
Switching Off Does Not Work for Freelancers. Here Is What the Recovery Research Says Instead
Switching off does nothing for freelancers' wellbeing, a study of 1,043 owners found. Relaxation and control do. Rebuild your week.Wellbeing
Yurii Lazaruk
Hybrid Freelancing Is Not a Compromise, Unless You Treat It as One
7 in 10 German founders start alongside a job. New research shows what separates the version that pays off from the one that burns you out.MindsetYurii Lazaruk
Freelancing After 50 in DACH: 44% Are Already There, and 85% Would Do It Again
A third went freelance because nobody would hire them at 50. 85% would do it again. What the market pays for, and what it filters out.Future of WorkYurii Lazaruk
Use AI Without Losing Your Edge: The Confidence Study, and the Context File That Keeps You in Charge
Copy-pasting AI output lowers your confidence in your own work, and the dip outlasts the session. Drafting first does not. The setup.AIBlago Yanakiev
Freelancers Are Twice as Lonely as Everyone Else. Here Is What Actually Helps
Freelancers are lonely 2.5 times as often as everyone else. The research on what actually helps (hint: it is not the evening meetup).WellbeingYurii Lazaruk
Curiosity Is the Skill That Survives AI: What 92 Million Displaced Jobs Mean for Freelancers
92 million jobs go, 170 million come, and Cloudflare cut 1,100 people it calls measurers. The skill that survives the swap, you had at four.Future of WorkYurii Lazaruk
The World Is Ending, and I Still Have to Work? Freelancing Through the Permacrisis
Crisis after crisis, and the desk still waits. Sara Weber on freelancing through the permacrisis without letting work eat you alive.MindsetBlago Yanakiev
From Freelancer to Company: Five Paths and How to Pick Yours
Team, agency, brand, platform, or solo with systems: five freelancers made the same leap differently. Which path actually fits you?Growth StrategyBlago Yanakiev
Stop Starting, Start Finishing: How Freelancers Prioritize What Actually Matters
Ten-hour workday, two hours productive. Caroline Pollklaesener's three-bucket system helps freelancers finally finish what matters.ProductivityBlago Yanakiev
