Should we work for ourself or someone else?

Stacked Coins acting as pots for leafy outgrowth by a piggy bank
A straight-talk guide to understanding independent contractor vs employee life—helping us make the right choice for our situation. This resource is designed specifically for people managing their lived experience with homelessness navigate income opportunities.




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  • Understand what it means to be an independent contractor versus an employee—no confusing jargon, just plain language explanations of what each path looks like.

  • Discover the key differences in pay, stability, benefits, and flexibility so we can figure out which option fits our life and goals right now.

  • Apply our knowledge and problem solving skill-sets to support our decision making process on paths that make sense for us, and generate questions to ask before we commit to either one.

Thoughts to consider

**Important Note:** This e-book provides general information only. It is not legal, financial, medical, or professional advice. Always talk to a lawyer, accountant, or other professional before making big decisions about your money path. This guide is meant to help you understand the basics, not replace professional guidance.

Exploring our Income Generating Options

As we pursue our financial contract options, two of the many paths we can take include

being an independent contractor, and
getting a job as an employee. 

  • What's the difference? 
  • And, more importantly—which ones are suitable for us?


This e-book breaks it down in plain English.

  • Covering the basics of how each works,
  • what we can expect in terms of money and support, and 
  • the potential pros and cons of each path. 

Whether we're just starting to think about income generation or we're trying to figure out our next move, this guide points us to questions to ask ourselves as we make choices that work for our life.


No judgment information moving us in exploration of our options.