I have a 0.5 FTE job, which I greatly enjoy and am passionate about, and provides benefits (health insurance, dental insurance, etc), but does not pay very well Without going into particulars, there is no option to expand that to full-time. I am trying to figure out the best way to supplement this income, in order to meet my goals of aggressive loan repayment and general WCI-esque financial beliefs. The two primary options: -additional shifts as a Employee/W-2, at a standard rate for ER work in the area -locums shifts as an IC w/ 1099 income, w/ the rate being ~$100/hr more than the employee rate (at a different site, within 2-4 hour driving distance, w/ hotel and car covered). From a purely financial perspective - the IC income makes much more sense, right? I already have my benefits covered through my primary W-2 position, and so I wouldn't even have to account for that in the IC income. It would also allow me to access an individual 401(k), correct? Now I know I would have to withhold my own taxes, but I'm getting taxed on the potential additional W-2 income as well. Any thoughts? Thank you.