Not directed toward you specifically, but people over index on benefits when choosing between contract work and full time. Every benefit has a dollar value that you should you use when determining an acceptable hourly rate - that includes health, PTO, holidays, 401K matches, etc.

Companies don’t generally hire contractors to save money, they hire them because it is a lot easier to get rid of them. You should be able to charge a premium as a contractor not make less.

But then you better be damn good at budgeting, networking and keeping your eye on the market.