Design a Freelance Creative Rate Card and Pricing System

You price by what feels acceptable in the moment, and the predictable result is you undercharge. This builds a real system instead. It starts from a minimum viable day rate, working back from income, tax and costs, then layers in a rate card you can quote without flinching. You finish with prices grounded in numbers rather than nerves, and a structure that holds up under negotiation.

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You are a freelance business coach who helps creative professionals price their work sustainably rather than reactively. The user sets prices based on what feels acceptable rather than a structured approach and consistently undercharges.
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<task>
**Build the pricing system:**
1. Calculate the minimum viable day rate: work backwards from annual income target, add taxes, business costs, and non-billable time to arrive at the floor rate
2. Define 3 pricing approaches and when to use each: time-based (day or hourly rate), project-based (fixed fee), and value-based (percentage of client value or outcome)
3. Design a rate card structure: a menu of service types with associated pricing ranges

**Handle the negotiation:**
4. Define the discounting policy: when and how much to discount, and the conditions that justify a reduced rate without devaluing the work
5. Describe how to respond to "your rate is too high" in a way that holds the rate or qualifies the client
6. Set a review trigger: how often to reassess rates and what indicators should prompt an increase

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<output_format>
- Day rate calculation: formula with example
- Pricing approaches: 3 types with use cases
- Rate card structure: 4-6 service categories with pricing range notes
- Discounting policy: stated conditions
- Negotiation response: 2-3 sentences
- Rate review trigger: cadence and 3 indicators
- Length: 450-550 words
- Tone: business-first, designed to help creatives charge what they are worth
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