Even though entrepreneurship is becoming more and more accepted by our society, most folks still can’t let go of the fact that it’s not as secure as working for someone else.  Even banks are so much more likely to loan money to someone with a ‘stable job’ rather than (what??) self-employed.  And yea, I used to be part of the template too.  I did work for a big company, making pretty decent money, had great health insurance (not like I ever used it) and my company was matching 4.5% of my pay to my 401k plan.  When I went to apply for a mortgage, I had no problems at all getting a loan, even though it was a bit on a high side of what I could afford.  They didn’t care whether I worked for a company with a stable reputation, if it was large or small, if it was about to go under or prospering…  All they cared about for my loan approval is the last two stubs of my paycheck.

But when my husband told me what he had to go through to get his little house as a small business owner (that was before we met),  the process seemed to be much more involved.  O-o-oh, that’s right, he didn’t have the last two pay stubs of his paycheck.  No one gives him a paycheck, he owns the company!

So I guess part of me does feel somewhat insecure about having a blogger for a husband.  I do think about what it will be like when we get old and have no 401k or any other income to fall on, I think about the $2500 we have to shell out of our pocket before the health insurance kicks in if any of us gets sick.  I think about the economy and how it is going to affect our small business.

Sounds depressing?  It depends on how one looks at it.  I trust my husband enough to think that we will never get to the point of being in a financial hole, and if we ever did end up there, I am ready to jump right in to help.  Whether it’s getting a regular 9 to 5 job or helping out with the business.

It’s really not all that bad, there are definite upsides to having a self-employed hubby.  He is his own boss and he sets his own schedule.  Sometimes it’s nice to take a day off during the week and go to the amusement park.  They are definitely less crowded on the weekdays!  He is in control of his income, so if we need extra money, he can usually master it up.  Since he works from home, we get to see him during his lunch break, he gets to play with the baby and have a small chat with me.

I guess one of the downsides of having a spouse as an entrepreneur is that he works a lot.  Forget 9 to 5, it’s more like 8 to 10 with food breaks in between.

Enough of my opinions.  Want to hear from Dave himself?  Being his wife, I can get away with asking him some tough questions and getting some honest answers.  So watch my 7-minute interview with him where he honestly opens up about his lifestyle as an entrepreneur and a family man.