I'm self-employed, and family planning as a freelancer is scary. I don't have parental leave, and I don't know how much money to save.

The author (not pictured) enjoys freelancing, but says the lifestyle makes it difficult to plan for a future with her husband. Olga Pankova/Getty Images I'm a freelancer, and being self-employed makes family planning difficult. I don't have parental leave, and I often wonder how other freelancers do it. My husband and I also don't have family nearby, which makes it even more difficult. When I worked a typical, corporate 9-5 job, I dreamed of the day I could freelance. I so badly wanted to b...