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> licensing, certification

You're a business now and this is upkeep. Business expense. You would receive training and licensing under normal circumstances through your job.

> life insurance

This is provided as a benefit by most businesses to their employees. Talk to your HR. If you're working for yourself, you pay for it now.

> vacation

This should be obvious. No work, no pay. So vacation literally costs you double. Loss of time + the cost of vacation.

> technology

Computer equipment to do the actual work. Nobody will provide this to you for free.

> bills, travel, parking

Nobody will reimburse you for these expenses. If you have to visit the client on-site, they're on you.

> emergency funds

You must keep 3 month's of salary at a minimum sitting in a bank account at all times. This is a cost of doing business. There are ups and downs, don't expect contracts to come in immediately one after another. It doesn't happen.

> general and umbrella insurance

This should be obvious, you bear 100% of the cost of all types of insurance.

> car maintenance, car fuel, carl detailing and regular cleaning

If you use a car to get to the client, well, this is obvious.

> house maintenance (yard, inspections, upgrades, insurance, etc.) or rent

If your home is your office, all of these are now business expenses to some extent even if you had to do them before. You're spending double the time in your house. That will increase upkeep, electricity, etc.

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