I contract my services independently and I have some real estate rental properties. My wife also contracts independently. We make our own decisions now. Less security but, fortunately, people need our services and we can work as much (or as little) as we want. The health care reform act has made health insurance much more affordable for the small businessman. If you haven't looked into it ask your accountant. I think it's the best time in the past decade for you to make the move.
