Approximately 42 million Americans are classified as independent contractors, freelancers or self-employed. That’s around one in three. By 2020, estimates are that at least half of the population could be working for themselves. There are many reasons why people have turned to this work model, including flexibility and healthcare portability. However, many self-employed individuals are so caught up in the excitement of starting their business and the day-to-day tasks of running it, that th...