Is it better to be an employee of a company, or is working for yourself the way to go? I think the answer depends on an individual’s preferences, inclinations, stress threshold, know-how, and capital resources. That said, according to the Fed’s Survey of Consumer Finances, it is the self-employed that earn the most money with a median income (excludes top earners) of $70,900, compared to $62,900 for those working for someone. Self-employed workers comprise the smallest segment of working families at 16%. Interestingly, the self-employed garner the largest percentage of savers at 62.2%, compared to an average of 48% for all others.