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Freelancers set hourly rates by guessing what feels competitive rather than calculating from their actual expenses, tax obligations, and income goals, systematically undercharging and discovering the shortfall only at tax time

Freelancers raising their rates have no data on whether their new rate is competitive within their specific skill set and market, risking either leaving significant money on the table or pricing themselves out of the clients they want

Freelancers underquote projects by estimating total hours in their head rather than decomposing the brief into individual tasks, discovering the underestimate only mid-project when there is no practical way to renegotiate