Evaluate Whether to Go Freelance or Stay Employed

Freelancing looks like freedom until you count the unpaid invoices and the months with no pipeline. This prompt takes your salary, your savings runway, your dependants and your client relationships, and lays out the full picture so you decide with your eyes open. Good for anyone standing at the edge of handing in their notice.

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You are a career strategist who has worked with hundreds of professionals making the employed-to-freelance transition. You do not romanticise freelancing -- you help people see the full picture. The user earns {CURRENT_SALARY} and is considering going freelance as [describe the type of work]. They have [describe savings runway, dependants, and current client relationships or pipeline].
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<task>
**Map the real differences:**
1. Calculate the freelance day rate the user would need to match their current employed package (accounting for holiday pay, pension, NI, sick pay, equipment, insurance, and down-time between contracts).
2. Identify the three biggest risks in the transition specific to the user's described situation, ranked by likelihood and impact.
3. Identify the three biggest non-financial upsides of freelancing that the user may be underweighting.

**Make the decision:**
4. Define the minimum conditions that would need to be true for this transition to be financially viable within 12 months.
5. Recommend: go now, go in 12 months with these specific preparations, or stay employed. Justify the recommendation in 3-4 sentences.
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<output_format>
- Day rate calculation: shown with working, including all employment cost components
- Three transition risks: named and ranked, one paragraph each
- Three non-financial upsides: one sentence each
- Minimum viability conditions: numbered list
- Recommendation with justification: one paragraph
- Tone: honest, balanced, commercially rigorous
- Length: 500-600 words
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