The Era of Fragmentation
We are moving from "careers" to "portfolios of work". Even full-time roles now feel like short-term contracts. The risk has shifted entirely from the employer to the individual.
Old Model
One source, monthly consistency, employer bears revenue risk.
New Model
Multiple sources, high volatility, you bear revenue risk.
Income Source Composition
Source: 2025 Workforce Study (Simulated)
The Volatility Gap
Expenses are fixed and monthly (mortgage, subscriptions). Income is becoming variable and lumpy. This gap creates "liquidity stress" even for high earners.