barryd
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I think the point is to make "enough and a bit more" rather than using up too much of the remaing time working to build up tens of thousands in the bank.
Exactly! It's finding that right balance. It took me about ten years. No really.
What you want is high rate low hours and infrequent. Even better if you can get a retainer just for servicing something. Chances are you won't have to do anything for months. If you can do the work in your own time and not suddenly have to drop everything when your half way up and Alp or sat in the pub getting hammered even better.