As others pointed out, a lot of factors would go into this decision. How many working hours can she normally put in if the average client only pays for an hour? How much time does she have to spend cleaning herself up between? How much risk is there in taking a new client?

Its pretty similar to working freelance compared to a paycheck. If I wanted to go on my own as a freelancer I could probably charge 2-3x my hourly salary rate as a freelancer. But I’d have to hunt for my next meal. I’d have to figure out all my 1099s. I’d have to change stragies to get new clients… Or I can just work my current corpo job making an OK salary but always know I have a paycheck coming and insurance.