Setting up on your own. Ugh. Think of all the HMRC and legal and financial and systems stuff you'd have to do first. So I guess you'll have to keep working for a company that only lets you see max 40% of your billings. Constantly funding someone else's dream. Well not any more. The Independent Recruiter Hub covers all the boring bit for you. So you can get set up and billing ASAP. Line your Monzo account with 70% of your commission. Plus with their referral scheme, you can take home an extra £5k per person you introduce to the IRH. Introduce 5 people and that's an addition £25k per year... on top of your own billings. Winning.