Best cities for freelancers and self-employed workers 2024

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By Rosalie Murphy | NerdWallet

The National Association for the Self-Employed’s membership has grown dramatically over the last few years, says Keith Hall, the group’s president and CEO. And while that growth has slowed since its COVID-era peak in 2022, he thinks flexible work is here to stay.

The boom in self-employment started when “a lot of people had to do it because of COVID. They didn’t choose to do it; they had to do it,” Hall says. “Many others saw and learned and read that you can do this. You don’t need to be tied to the desk in corporate America.”

Below is NerdWallet’s 2024 list of the 10 best U.S. metro areas for freelancers and the self-employed. Our analysis used recent metro-area data from the U.S. Census Bureau and state-level data from the Tax Foundation. The top metro areas are those where a significant percentage of the workforce is self-employed already, rent is relatively affordable, unemployment is low, worker mobility is high and state income taxes are relatively low.

Top 10 metro areas for freelancers and the self-employed

Nashville-Davidson-Murfreesboro-Franklin, Tennessee.
North Port-Bradenton-Sarasota, Florida.
Chattanooga, Tennessee.
Knoxville, Tennessee.
Austin-Round Rock-San Marcos, Texas.
Lancaster, Pennsylvania.
Boise City, Idaho.
Columbus, Ohio
Bridgeport-Stamford-Danbury, Connecticut.
Portland-South Portland, Maine

Key findings

Of our top 10 cities, Bridgeport-Stamford-Danbury, Connecticut, and North Port-Bradenton-Sarasota, Florida, have the largest percentages of the workforce that are already self-employed (8.5% and 8.2%, respectively). The median of all metro areas in our dataset is 5.3%.
Housing affordability continues to benefit communities like Chattanooga and Knoxville, Tennessee; Lancaster, Pennsylvania; and Portland, Maine — all places in which more than half of renters spend less than 30% of their income on rent.
Tennessee, Florida and Texas all have no state income tax, which can keep a portion of income in self-employed workers’ pockets. That said, “It’s rare when I personally hear an individual relocating states just because of the tax code,” Hall says.
Columbus, Ohio, was boosted by a significant increase in the number of people moving to the city for work between the end of 2022 and the beginning of 2023. While those people weren’t necessarily freelancers, we use this data point to better understand economic vibrancy.

Identify your self-employment goals when considering a move

What might self-employment look like for you? That depends on what you hope to get out of it.

1. Desired industry

Though some industries have shifted broadly toward remote work, others still benefit from proximity.

Brian Rood, a certified financial planner and owner of Artisan Financial Planning, knows that firsthand: He spent 27 years playing trumpet in the Kansas City Symphony before shifting to financial planning and now works primarily with artists.

In highly specialized fields like the performing arts, “you really do go where the work is,” Rood says. That might mean an industry-specific location, like New York or Los Angeles, or a small city where you landed an orchestra job and then built a network of students and professional contacts.

Seth Hodes, co-founder and managing partner at Able Wealth Management, also works primarily with artists and creatives. He says his clients often move from creative agencies to tech companies to freelance portfolios and then back again based on what opportunities arise. Living in regions that have active job markets and lots of opportunities in their industries helps facilitate such mobility.

“The artist freelancer has always been adaptable,” Hodes says. “It’s a grind out there — you’re going to have to survive and work up a certain kind of cultural capital.”

2. Financial goals

Self-employed workers typically need to set aside 25% to 30% of their income for tax payments.

Next, Rood adapts the 50/30/20 budget to each client; the budget is a framework that recommends spending 50% of your income on expenses, 30% on “wants” and 20% on savings. “It’s a little high on the first parts and a little low on the savings,” he says, but it’s a useful jumping-off point.

Rood encourages self-employed clients to have a larger-than-average emergency fund. For some performing artists, he recommends six to 12 months of living expenses.

That math can get difficult when the cost of living is high, and it can tempt people to move, especially if they can take work with them or are scaling back on hours.

When his clients leave a high-cost-of-living city, Rood says, “it’s because they either are going to retire, and so they want to go somewhere cheaper and they don’t need the work, or the rat race is too much and they want to do something else.”

Hall says he’s seen lots of older Americans strike out on their own, too. If your freelance work is a transition step out of full-time work, you may lean toward the place where you want to spend your retirement.

3. Identity, safety and values

Self-employment can afford you the freedom to live in a place for personal reasons, not just professional or financial ones.

For some, self-employment may support a move that lets them live more safely. According to a 2022 survey from the National Center for Transgender Equality, 5% of trans people had moved out of state due to laws targeting their community and 47% of respondents had thought about it.

And Hall says family ties and hometown memories are common reasons for relocation.

“We do hear a lot from NASE members and from small-business owners moving to a different community,” Hall says. “Maybe they grew up in a small city when they were younger and they had the need to go to the big city, because that’s where the jobs were. Now they’re going back home.”

Hodes says he works with his clients to find harmony between their financial goals and how they want to live their lives more broadly.

“You have to plan for the future, but it has to be a balance,” Hodes says. “Don’t sacrifice too much in the present.”

Methodology

To create the Best Cities for Freelancers and Self-Employed Workers 2024 list, NerdWallet pulled data for major U.S. metropolitan areas from the U.S. Census Bureau. We also pulled state tax rates from the Tax Foundation and calculated the tax rate for a household earning the median U.S. household income. We weighted the impact of each factor depending on how important we felt that factor would be in the potential financial success of a freelancer. We excluded metro areas for which there was negative or no Job-to-Job Flows Census data.

NerdWallet’s analysis includes data from the following sources:

U.S. Census 2022 American Community Survey data for the unemployment rate, percentage of people in Census-designated metro areas who identified as self-employed in non-incorporated businesses, and percentage of renters in a Census-designated metro area who spend less than 30% of their household income on rent.
U.S. Census Q4 2022 and Q4 2023 Job-to-Job Explorer data.
The 2024 state tax rate for the median U.S. household (which earned $74,580 in 2023, according to Census data), according to the Tax Foundation.

Rosalie Murphy writes for NerdWallet. Email: rmurphy@nerdwallet.com.

Saints drop last of series to Bison

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The Buffalo Bison stopped the Saints cold in their last game of the series, taking an 8-3 victory Sunday at Sahlen Field.

Royce Lewis finished his second rehab game 2-5 with a double and run, and DaShawn Keirsey Jr. added a two-run homer in the third inning, giving the Saints a 2-1 lead. The Bisons took the lead back in the bottom of the inning.

Buffalo’s three-run sixth ended the contest, despite the Saints scoring a final run in the ninth inning.

St. Paul’s next series begins Tuesday with a doubleheader against the Rochester Red Wings.

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Timberwolves’ season-long late-game woes coming back to bite them in West Finals

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DALLAS – Minnesota’s biggest flaw heading into the postseason was quite obvious to anyone who paid attention throughout the course of the regular season – the Timberwolves couldn’t close games.

Minnesota was quite literally one of the worst in clutch-time situations over the back-half of the campaign.

Clutch time is defined as the time in the final five minutes of a contest in which the margin is within five points. In those situations post-Christmas, the Wolves were out-scored by 26.5 points per 100 possessions. Their defense was bad in clutch time, and their offense was worse. Ball holding, indecision and a lack of player movement left Minnesota’s late-game offense often stuck in the muck. Misses and turnovers prevented Minnesota from getting back and setting its defense up to its optimal setup, which makes getting stops a chore.

That figured to bite the Timberwolves in the playoffs.

But it didn’t – not through the first two rounds, anyway. Anthony Edwards obliterated Phoenix down the stretch of Game 4 to close out Minnesota’s first-round sweep in the only competitive contest between the two teams.

Against Denver, Game 1 and Game 7 were both in doubt in the closing minutes, only to have Minnesota’s offense prove largely unstoppable to secure the first and last victories of the series.

The problems appeared to be solved – until they weren’t.

The late-game issues have reared their ugly heads in the Western Conference semifinals. Minnesota led the bulk of the first two games of the series, only to squander advantages late. The Wolves rallied in the second half of Game 3 on Sunday and held a two-point lead with five minutes to play after Kyle Anderson’s toss at the hoop dropped to beat the shot clock with 5 minutes, 5 seconds to play.

That was the last bucket of consequence the Wolves would score. Minnesota tallied just one point between Anderson’s miraculous shot and Anthony Edwards’ irrelevant layup with 15 seconds to play – a Naz Reid free-throw. In between those buckets were seven missed shots and turnover.

Edwards said the ball was sticking too much in the Wolves’ hands, particularly his.

“I thought it was our offense that broke down, more than anything. You’ve got to try to score alongside of them,” Timberwolves coach Chris Finch said. “We just didn’t execute very well, didn’t find the open guy very well down the stretch. And when we had open looks, they were nowhere near going in.”

It is tough to win that way.

As it is when you commit two turnovers in the final minute of regulation, like Minnesota did in Game 2 en route to blowing a five-point advantage in the final 90 seconds.

Then there’s Game 1, which Minnesota led by four with 3 minutes, 37 seconds to play, only to then go scoreless until Reid scored with 10 seconds to play. That fatal scoring drought featured four missed shots and three turnovers.

And Dallas is doing the complete opposite on the other end of the floor. The Mavericks – who sported the NBA’s fourth-best clutch-time net rating post Christmas, outscoring opponents by 23.8 points per 100 possessions – are routinely carving Minnesota’s top-ranked defense up with the game on the line.

Oftentimes it’s via Luka Doncic sizing up an opponent 1 on 1 before either getting to the mid range to knock down a jumper, or hitting a stepback triple. At other points, he’s catching the Wolves napping, like he did late Sunday, when he saw Edwards’ back turned to the play and made a quick pass that led to a hockey assist on a P.J. Washington triple to put Dallas up 107-104. Minnesota never recovered.

“It starts with kind of a mental breakdown on a left-corner 3 from Washington when the game is tied,” Finch said, “and that gives them just enough breathing room.”

Dallas is out-scoring Minnesota by 39.2 points per 100 possessions in the clutch in this series. It’s the difference between the Mavericks being up 3-0 – the current state of the situation – and Minnesota potentially even leading the series.

“The whole series, we’ve struggled to close games. These three minute games that we’re playing, we’re losing,” Finch said. “That’s been the story of the series.”

It’s easy to look at that and think how easily things could be flipped. But the reality is the playoffs reveal who you are – both your strengths and warts. And this has been a major wart for Minnesota all season that was left unresolved, and now has the Wolves on the brink of elimination.

“If we were winning these games, you would feel confident when you look up and see four minutes left and you’re winning the game, you’re going to think positive thoughts,” Wolves guard Mike Conley said. “I can’t speak for every person but I’m sure we’re looking up and saying ‘How are we going to win this one? How are we going to figure it out?’

“That’s a moment of the game where we have to be tight, together and figure it out. Obviously, (the struggles are) on our minds. For the majority of the series, we were giving ourselves a chance, giving ourselves leads, giving ourselves opportunity. We know what part of the game we need to be better at. The part that’s gonna win us the game is that fourth quarter.”

Many basketball games are won in the final five minutes. Or, in the Wolves’ case, they’re lost.

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2 people, 1 RV, 1 year: Florida travel writers complete American journey

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Travel writers Susan and Simon Veness were trying to escape the rat race when they hit the road for a year in an RV.

“For the last 20 years we have been working flat-out, seven days a week, never took time off,” Susan Veness says. “We didn’t take vacations, and we were so burned out that we just needed to hit the reset button.”

The Venesses took off in their 36-foot RV – dog Ruthie and a subcompact car in tow – with a route in mind that went to Michigan, then across the country to the West Coast before swooping down across the South and back home to Apopka.

“The challenge was to try and see as much of the country as we could. We really wanted to see America,” Simon Veness says.

Their mission was completed, mostly, and ended recently with a stay at Fort Wilderness at Walt Disney World. There were bumps along the way, including mechanical difficulties, a stretch of 19 days without hot water, tight mountain passes and harrowing bridges that might have contributed to high blood pressure.

“We met a lot of mobile technicians in those first months,” Susan says. After two months and another frustrating RV repair, they considered pulling the plug on the 12-month project that had been in the works for four years.

“So we had to take the rig in, stay in a hotel. We spent a couple of days really just saying we’re not sure we can do this,” Susan says. “And then we bucked up our courage and decided, yeah, we want to keep going. And then, for months, it was just beautiful. Smooth sailing.”

“The last six months were the gravy. They just seemed to go so fast,” Simon says.

The Venesses are the creators of “The Hidden Magic of Walt Disney World” book sires and the “Brit Guide to Orlando and Walt Disney World” guidebook. They have written for blogs, magazines and newspapers, and their trip updates have appeared in The Independent newspaper in the U.K. The second edition of Susan’s “Walt Disney World Hacks” book came out in April.

They submitted another book days before heading out in the RV. This fall, their new book “111 Places in Orlando That You Must Not Miss,” will be published.

Their on-the-road workload was “doing this easy stuff that we can do remotely rather than the press events and the openings and the restaurants and everything that goes with it, which is what makes it feel like you’re on a treadmill,” Simon says.

A stand-out state for Simon was Utah, he says.

“Absolutely everywhere we went, there was a stunning panorama … amazing national parks, just incredible vistas right throughout the state,” he says.

Another highlight for the couple was watching “wave after wave” of sandhill cranes at Wilcox Playa in southeast Arizona, Susan says.

“We spent a whole evening one night watching these birds flying in from literally out of the sunset into this wildlife area of marshlands, where they were settling for the winter,” Simon says.

“It was mind-blowing watching those. The noise, the site, the backdrop. It was like a David Attenborough nature documentary. You’re sitting there open-jawed for hours watching those,” he says.

Travel writers Susan and Simon Veness stand with their 36-foot Winnebago, their home for a year, while rolling across the country. (Courtesy Veness family)

So much togetherness in such tight living quarters was not an issue for Venesses, they said.

“We’re always together. For 20 years all of our work has been together. So that was really the easy part,” she says.

“Our office is only 11 feet square [at home], and both of us are in there pretty much every day,” he says.

Along the way, they decided their initial itinerary was too ambitious, so they opted against Washington, Oregon and northern California, which allowed them to slow their pace.

Simon says he eventually got used to the conditions of driving an RV.

“You’ve got to be dialed in all the time because it just takes one small give in the road, and it throws you off course because of the weight of the whole vehicle,” he says.

“By the end of the trip, I didn’t want to stop because I love the view from the cab,” he says.

The trip covered more than 35,000 miles between the RV and the car in 22 states.

The Venesses check out Mount Rushmore, one of several landmarks visited during their RV adventure. (Courtesy Veness photo)

Once they got back to Florida, they stayed at Disney World before heading back to their house.

“We really wanted to end the trip where, really, everything for us started. We met through Disney, you know, we got engaged to IllumiNations [at Epcot]. A huge portion of our work has been around the theme parks,” Susan says.

They say they missed their Florida neighbors; they didn’t miss the humidity.

They plan to write something about the experience, but they’re mulling the best angle to take. They believe they’ll make another RV trip, but for a shorter duration and in a smaller vehicle.

“We definitely want to do more,” Simon says. “We still have unfinished business out west.”

dbevil@orlandosentinel.com