11.

Increase Revenue and Cut Expenses

In the freelance world of the 21st century, in which all of us are always hustling for work, you have to begin treating yourself as a business. This is a lifelong practice. I used to say that you only have to do this until you retire, but since most of us won't be able to afford to retire, you only have to do it until you die. After that, you're off the hook.

We need to become more conscious about how to handle money. Many of us have not been trained to deal with it effectively. We don't know how to plan for the future by creating a budget—or even how to balance a checkbook. Consumer bankruptcies consistently exceed 1,000,000 every year, and the average college student is more likely to drop out of school ...

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