The Upwork study 5/8  BIS central bankers' speeches  notes that one of freelancers’ biggest concerns is managing income variability and benefits. For lower-income workers, unpredictable fluctuations in income can lead to severe hardship.
The Federal Reserve Board’s Survey of Household Economics and Decisionmaking, for example, finds that 46 percent of households report that they would need to borrow money or sell something in order to pay an unexpected expense of $ These findings suggest that employers, policymakers, and workers should seek ways to help individuals better manage the risks inherent in most forms of contingent work.