Oh no, please don't get me wrong! I did not want for money at all, I actually ended up really comfortable. However, I am quite an anxious person by nature, and even though I was pretty secure, it was always on the back of my mind that it just wasn't a finite resource.
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I have the feeling, most of the problems you had with freelancing are solved by simply charging more.
If you make much more money than you spend, you have all the time to experiment, you can wait through a dry spell and late paying customers.
Oh no, please don't get me wrong! I did not want for money at all, I actually ended up really comfortable. However, I am quite an anxious person by nature, and even though I was pretty secure, it was always on the back of my mind that it just wasn't a finite resource.