I don't think this life is for everyone though. One thing people often don't consider when going freelance is that your job shifts. Instead of just being a developer, you are now a developer, marketer, business owner, accountant, project manager, office manager and more.
Some people don't mind that, or even enjoy it. For others, having to deal with all the tasks that go along with running a business, in addition to being the sole developer, can make life much less enjoyable. Especially if you're not fairly well set financially and would have a hard time enduring lean periods.
Not to say it's bad, it's certainly rewarding to run your own business and you gain a lot of freedom. But it's a tradeoff, and one that might not suit everyone.
that also really depends on what kind of gigs you get.
for example here in the DC area there are lots of independent contractors that have steady multi-year contracts. as long as you're not total dead weight you do the hourly thing for a long time. many years. It's more rare to find those folks that go from solo gigs to having other subcontractors going through them too. That's when all your points become really important. But you can be solo and not have to deal with a lot of that stuff you mention.
Folks keeping score at home should note the successful DC area contractors in this thread. DC is full to the gills with easy, good-paying software work from budgets that need spending. But I don't think that it is a good place to be for your career if you are interested in the technology, unless you are able and willing to get a TSC, and to perform the sort of work that requires one. I recently relocated from the DC area to California for this reason.
The tradeoff to that is that DC has a horrible commute and exceptionally high cost of living. How many of these contracts would allow primarily working from home?
It's a "Top Secret Clearance," a certificate saying that you are trustworthy to perform top secret government work. Based on what I've heard from others, getting one includes taking a lie detector test, having family members, neighbors, and colleagues interviewed, and hopefully not too many other probing things. My impression is that any warm-bodied US citizen who doesn't have much of a record, and who knows the right things to say, can get a TSC unless their nationality gets in the way.
personally I haven't seen nationality get in the way. Actually, I've seen many folks that are either 1st or 2nd generation US citizens. But the rest of what you say is right, though not all clearances require a polygraph. Relatively few people get those if you include regular Secret and Public Trust positions.
You get a clearance by having your employer or client sponsor you. It inactivates when you switch jobs, but can be reactivated fairly easily within 24 months. Beyond that, you need to be re-investigated. Standard Form 86 [1] lays out the information you need to provide.
Some people don't mind that, or even enjoy it. For others, having to deal with all the tasks that go along with running a business, in addition to being the sole developer, can make life much less enjoyable. Especially if you're not fairly well set financially and would have a hard time enduring lean periods.
Not to say it's bad, it's certainly rewarding to run your own business and you gain a lot of freedom. But it's a tradeoff, and one that might not suit everyone.