Regarding the 20hrs/week, everybody should know: That's the productive time, for every human being. Charge accordingly.
The exact way you do these things depend on the culture for sure, and the book is written by an American. From what I understand Germany is less directly "friendly" than the US so the pleasantries may not carry over, but I have to imagine that considering the other person more than yourself does carry over.
American here. I’ve found that the friendly “American way” of doing business lets my team seal deals faster than their European competition. I initially got pushback from my UK team. “That isn’t how it’s done.” But human nature is human nature, and taking people’s personal aspirations into mind is never a bad strategy.
You won’t be able to run a business the American way in Germany, not would you be able to it vice versa.
Nor you should be able to be.
(There is nothing historic about being able to capture 20-25% of the world’s GDP either — England (1800s), Turkey (1600-1700) and China (European dark age through Middle Ages) has all achieved the same economic power US enjoys as of today.
This thread is incredibly vague. I bet there is significant if not majority overlap between the two.
Back to Dale Carnegie, his advice about not telling people "you are wrong" and getting to know them is some of the best and simplest advice I've ever received, and transcends time and space.
I found it's study of status quite good. So much can go wrong for people when they fail to maintain a harmonious exchange of status when interacting with others. This book describes how important status is in comedy and breaks down some old Marx brothers skit to analyses the humour in seeing somebody have their status diminished.
It's been a while since I read it, but it's stuck with me and I remember developing a new sort of awareness of my interactions with others.
It's gotten better with the beginning of the federal marketplace, but it still is true that better coverage is gotten from a full time job. Though, I guess it depends on what you are looking for. I pay $350 a month for a decent plan in Chicago. But, I'm a mostly healthy 30 year old so YMMV.
Some options you might consider for further coverage:
1. Have a spouse that has insurance. Easy mode, but seems to be an option for some people.
2. Part time job that has benefits. I have a friend doing exactly this - 20 hours a week working at a university and the rest of the time freelancing. Provides a little human interaction too.
3. Medical tourism? I only half joke that I may up and go to Lithuania if I ever need not urgent major surgery (though I might do that even with good insurance). Being freelance opens up that option.
But as more and more people become freelancers, I have to imagine this situation will change. I really hope that in the next 10 years we'll get more options, whether full fledged socialized healthcare or even just the ability to get the same plans as employees. If you were needing a reason to vote in the upcoming elections this is probably the one that most directly impacts freelancers.
I picked a middle-of-the-pack "silver" option in new jersey with no subsidy, its costing me ~450/month.
So for example, let's say you're a web developer reaching out to owner of an ecommerce store. "Value upfront" could be giving them ideas of how they can capture and recover more purchases: cart abandonment, loyalty points, etc. so they want to hire you to build it for them.
Some good templates I came across for this sort of outreach: https://artofemails.com/sales-freelancer
Also useful, how to go from hour based pricing to value based pricing: https://www.freshbooks.com/assets/other/Breaking-the-Time-Ba...
Congrats! If everybody did that we would be halfway through solving the climate problem.
* Be a digital nomad
* Experiment with building apps and products
* Think and make better decisions
* Actually get 8 hours of sleep without hurry
* Save my body from RSI and go to the gym
Etc, etc. It's especially doable as a programmer since that is a very much in-demand service right now.
I'd love to see everyone have 20 hours a week to do whatever they wanted with.
There are all sorts of great resources about how to business online, but it didn't even cross my mind at the beginning that that would be important. Once I started learning how to business freelancing became waaay easier.
Things like how to invoice, how to negotiate, how to talk to a client, how to schedule your time, how to budget, how to market yourself, how to network, etc etc etc are not at all related to programming, but can make the difference between a happy freelancing existence and a miserable career.
I've been fortunate to have a pretty lovely freelance web development career. My key has been finding clients that are smaller companies and not full time, with a long ongoing project.
Smaller companies allow you to build a relationship with the owner of the business, and to position yourself as not just a pair of hands to write code, but a trusted advisor who takes the business's actual needs into account when writing code (which is how you compete with global talent).
Not full time means you can have multiple clients at once to give you a nice advantage over a full time job: if one source of income dries up, your income doesn't go to zero.
Most of my clients have been multi-year projects. I'll slowly build their webapp for around 10 hours a week at most. I've worked about 20 hours a week for the last 8 years, lived in lower cost of living areas, and spent the rest of my time on doing whatever I feel like.
Some resources I'd recommend:
* The Personal MBA by Josh Kaufman - a nice overall summary of how to run a business
* The corpus of Kai Davis's material (https://kaidavis.com/), including his super valuable/highly entertaining podcast Make Money Online (https://makemoneyonline.exposed/)
* How to Win Friends and Influence People by Dale Carnegie - how to interface with fellow humans (freelancing/business is mostly a human activity)
Happy to help anyone who's interested in freelancing if I can, send me an email.