When most people think of financial independence, they picture long hours, a steady paycheck, and savings. But what if your ability to work is limited—not by choice, but by circumstances? For freelancers balancing caregiving, family, and medical expenses, time is the most valuable resource. Structuring work and pricing intentionally is essential for sustainability. This article breaks down the real cost of supporting a family on a single income, the financial challenges of balancing caregiving and work, and a strategic approach to earning $140K–$160K/year as a web developer—with limited hours to work on projects each year.