Have you heard the saying "saving is for losers"?  The premise behind this message is simple; the average interest rate for a savings account earns you on average a 0.09% return, while the national rate of inflation sits at 3.22%, so each year you're effectively losing money.  And as true as that may be, we still whole heartedly believe in learning to save money regardless.  Cash reserves and proper funding for emergencies and big purchases can be incredibly helpful in sustaining a healthy freelancing business.