That husband, Joseph D'Agnese is a science writer and together they wrote:
The Money Book for Freelancers, Part-Timers, and the Self-Employed: The Only Personal Finance System for People with Not-So-Regular Jobs (2010). Here we are advised to save ahead, so you can "stay out of prison or eat more than cat food in your eighties."
They are both freelancers and base their advice on that gritty reality.
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