Some consider self-employment a soul-crushing grind—a pit of despair one falls into after being laid off, or after graduating into a job market where entry-level jobs have evaporated. Chasing clients, following up on payment requests, and working into the night, all for little pay . . . it’s a stopgap until you find a full-time job. Who on earth would choose it?

But freelancing doesn’t have to feel like gig work. And in fact, plenty of people, especially Gen Zers, do deliberately choose it. If you’re skeptical about freelancing or struggling to earn enough to pay your bills, it might be time........

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