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Action vs. inaction regret

Working as a freelancer or B2B contractor vs traditional employment

If you act

Freelancing/B2B contracting

37%

If you don't

Traditional employment

28%

Percentage who later regret each choice. Bars and full ledger render below.


Career

Last reviewed 2026-04-26

Evidence quality 4.13/5

Eight-dimension review score against the quality rubric . Each dimension scored 1–5.

D1 Source verification
5/5
D2 Source authority & independence
4/5
D3 Regret-rate accuracy
2/5
D4 Source comparability
3/5
D5 Gilovich pattern
5/5
D6 Prose quality
5/5
D7 Caveat completeness
5/5
D8 Sample quality
4/5
Average 4.13/5
Two desks side by side, one cluttered home office with a laptop, the other a clean corporate cubicle with a monitor.
Proxy data — no direct regret survey exists for this decision. Rates are derived from satisfaction scores and access-barrier data rather than questions that directly asked about regret. See caveats below.

Action regret

Freelancing/B2B contracting

37%

Proxy (not measured regret): 37% of freelancers do not say freelancing is more rewarding than employment — the complement of the 63% who do, a relative-reward judgment rather than regret about having chosen to freelance

US and UK freelancers, online panel

retrospective, no fixed timeframe

Inaction regret

Traditional employment

28%

Proxy (not measured regret): 28% of current employees in the US and UK plan to do freelance work within the next five years — an intent-to-switch-away measure (a closer proxy for regretting traditional employment than satisfaction), not a direct regret rate

US and UK current employees, online survey

stated intent, next 5 years, Dec 2022 survey

% who regret this choice

action dominates — Action dominates — most regret acting.

Related decisions

Semantically similar decisions — same territory, different trade-offs.

career

Starting a business

% who regret this choice

Inaction dominates

Inaction regret 5.5× higher

career

Salary negotiation

% who regret this choice

Inaction dominates

Inaction regret 1.2× higher

career

Quitting a job

% who regret this choice

Inaction dominates

Inaction regret 2.2× higher

career

Career change

% who regret this choice

Inaction dominates

Inaction regret 1.5× higher

career

College decision

% who regret this choice

Action dominates

Action regret 1.2× higher

career

Remote vs office

% who regret this choice

Inaction dominates

Inaction regret 1.8× higher

careerDirect

Drop out vs. finish degree

% who regret this choice

Action dominates

Action regret 1.1× higher

careerDirect

Asking for a raise

% who regret this choice

Inaction dominates

Inaction regret 3.0× higher

Neither side of this entry carries a direct regret measure, so both rates are proxies. On the freelancer (action) side, Remote.com’s global survey finds that 37% of freelancers do not consider independent work more rewarding than traditional employment — the complement of the 63% who do. McKinsey’s 2022 American Opportunity Survey sets a floor under that figure: 26% freelance out of necessity rather than choice, so the true action-side proxy plausibly sits in the 26-37% band. On the employment (inaction) side, the cleanest proxy the same Remote.com survey offers is intent to switch away: 28% of current US-and-UK employees actively plan to start freelancing within five years. Wanting to leave employment for freelancing is a closer stand-in for regretting the employment choice than a general job-dissatisfaction figure, which conflates everyday grievances with career-structure regret. Drawing both headline proxies from one consistent survey also removes the earlier apples-to-oranges pairing of two different vendors’ panels.

Read as proxies, the figures lean slightly toward higher action-side regret (37%) than inaction-side intent-to-leave (28%), but the gap is small and the two constructs are not identical, so the direction is weakly held rather than a clean asymmetry. MBO Partners’ 2024 State of Independence report confirms that full-time independents report higher satisfaction than employees on 12 of 14 dimensions measured (65% of full-time independents say they feel more secure working independently), a real but incremental edge, not the 2:1 ratio previously suggested by misusing Gallup’s engagement metric. The earlier version of this entry used Gallup’s 69% employee disengagement figure as an inaction-regret proxy, which was invalid: not being “engaged” at work (a measure of daily effort and emotional connection to one’s employer) is categorically different from regretting one’s career structure.

The main interpretive hazard is construct mismatch — the revised figures still compare “finding freelancing less rewarding than employment” (action side) with “planning to switch to freelancing” (inaction side), which are related but non-identical sentiments, neither of them a verbatim regret item. Survivor bias flatters the action side: freelancers who failed and re-entered employment vanish from freelancer satisfaction panels. The most honest summary the data supports is that both arrangements leave a sizeable minority looking toward the other, with a slight tilt toward proxy regret on the freelancing side. Neither path is a clearly regret-free choice; the decision depends on individual risk tolerance, income needs, and preference for autonomy versus stability.

Sources: action

Claim ledger

Every number below is what each source reported, with the verbatim quote we relied on and how we arrived at our figure. Click any link to verify directly.

  1. [1] Remote.com — Remote's Global Freelancer Report
    Remote's Global Freelancer Report
    Statistic
    63% of freelancers find freelancing more rewarding than being a regular employee; 37% do not
    Excerpt
    “"Over two thirds (68%) of freelancers we surveyed said they have had a positive experience overall as a freelancer, and another 63% said they find it more rewarding than being a regular employee." ”
    Source data from
    2023-06-15
    Accessed
    2026-04-26
    Calculation
    Remote.com surveyed 3,000 business owners, freelancers, and employees in the US and UK. The 37% action-regret proxy is the complement of the 63% who prefer freelancing. This overstates true regret — some of the 37% are indifferent rather than regretful — but it is the closest published figure to a direct preference measure.
  2. [2] McKinsey Global Institute — Freelance, side hustles, and gigs: Many more Americans have become independent workers
    Freelance, side hustles, and gigs: Many more Americans have become independent workers
    Statistic
    26% of independent workers do it out of necessity rather than choice, up from 14% in 2016
    Excerpt
    “"Just over a quarter of respondents say they do independent work because it's what they have to do to support themselves, which is a large increase over the 14 percent of respondents in 2016 research who said they did independent work out of necessity and as a primary source of income." ”
    Source data from
    2022-08-18
    Accessed
    2026-04-26
    Calculation
    McKinsey 2022 American Opportunity Survey. The 26% necessity-driven figure is a lower bound on action regret: these workers would prefer traditional employment but lack the option. Corroborates the Remote.com 37% as an upper bound. The true action-regret rate likely falls in the 26-37% range.

Sources: inaction

Claim ledger

Every number below is what each source reported, with the verbatim quote we relied on and how we arrived at our figure. Click any link to verify directly.

1/2 sources independently verified verbatim against the cited source

  1. [1] Remote.com — Remote's Global Freelancer Report
    Remote's Global Freelancer Report
    Statistic
    Almost three in ten (28%) current employees in the US and UK plan to do freelance work in the next five years
    Excerpt
    “"Almost three in ten (28%) current employees in the US and UK plan to do freelance work in the next five years." ”
    Source data from
    2023-06-15
    Accessed
    2026-04-26
    Calculation
    Remote.com surveyed 3,000 employers, employees, and freelancers in the US and UK during December 2022. The inaction-side proxy uses the directly-reported 28% intent-to-freelance figure: employees who plan to switch away from employment toward freelancing is a closer proxy for regretting the employment choice than general job dissatisfaction, which conflates day-to-day grievances with career-structure regret. This replaces the previous Gallup engagement figure (69%), which measured engagement with one's current employer — not career-structure regret — and produced an artificially large gap. The same Remote.com report supplies the action-side 63%/37% preference split, so both headline proxies come from one consistent US-and-UK survey.
  2. [2] MBO Partners — 2024 State of Independence in America Report Verified
    2024 State of Independence in America Report
    Statistic
    65% of full-time independents feel more secure working independently; independent workers report higher satisfaction on 12 of 14 dimensions
    Excerpt
    “"65% of full-time independents say they feel more secure working independently. Independent workers report higher satisfaction than traditional employees on work-life balance, purpose, autonomy, and overall career satisfaction." ”
    Source data from
    2024-10-01
    Accessed
    2026-04-26
    Verification
    Excerpt independently re-fetched and confirmed word-for-word against the cited source during our grounding audit.
    Calculation
    MBO Partners 15th annual State of Independence study. The higher satisfaction among independents vs employees supports the direction of inaction-side dissatisfaction among traditional workers. Does not provide a direct inaction-regret rate but confirms the satisfaction gap from an independent, longitudinal source.

Caveats

Neither rate is a direct regret measure. The action-side 37% is the complement of freelancers who "find freelancing more rewarding than employment" (Remote.com) — preference for one arrangement is not the same as regretting the other; McKinsey's 26% necessity-driven figure is its empirical floor, so true action regret likely sits in the 26-37% band. The inaction-side rate uses the same Remote.com survey's directly-reported 28% intent-to-freelance figure (US-and-UK employees who plan to switch to freelance work within five years) as a proxy: wanting to leave employment for freelancing is closer to regretting the employment choice than general job dissatisfaction, which conflates everyday grievances with career-structure regret. Using one consistent Remote.com survey for both headline proxies replaces the previous entry's Gallup 69% disengagement rate, which measured engagement with one's current employer — a completely different construct — and produced an artificially large gap. Read as proxies, the figures lean toward higher action-side proxy regret (37%) than inaction-side intent-to-leave (28%), but the difference is small and the constructs differ, so the direction is weakly held. Survivor bias remains an issue: freelancers who failed and returned to employment are absent from freelancer satisfaction surveys, which flatters the action side.

Raw data: /api/decisions.json

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