What Issues Should I Consider as a Business Owner or 1099 Worker?

Without an employer handling withholding, benefits, and a retirement plan by default, a lot of planning that happens automatically for employees becomes an active decision for business owners and independent contractors.

The long-term questions, what happens to the business if you can't run it, how you'll eventually retire from it, tend to get less attention than the day-to-day tax and cash flow issues, even though they matter just as much.