[Piece of Cake]

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FWIW I think the "No Benefits," thing is a crock.

How many of you get benefits through your job? I've been working for almost 10 years now, and I've never had benefits. A few places "offer" benefits, but it's complete crap and more expensive than the individual plan I pay for myself.

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I edited my comment to clarify. But I imagine you don't pay self employment tax at your current job and even a lot of hourly wage jobs have subsidized group insurance that is much better than one could obtain on their own. For me personally this is no small consideration.

Of course if your job does not offer benefits of this nature - it's just one less reason to keep you from going pro. I just wanted to cover all bases that people should consider and not create an argument on the state of employer benefits.

I also forgot pension accruals, 401k matching contributions, and stock purchase plans.