Writing in Tuesday's Times, Paul Johnson, a director of the Institute for Fiscal Studies, says some 15% of the UK workforce is now classed as self-employed or as an owner/manager. Among them is me, now in my 17th year of my second period of self-employment. Indeed, I am the fourth generation of small business petit bourgeoisie Roches (so far, no generation has managed to propel us permanently to the haute bourgeoisie). Many of the new self-employed are part of what is now known as the "gig economy": living on short term contracts and often experiencing a financial life of feast and famine. Family insecurity and financial instability are frequent visitors, especially in the early years of a business, when getting established can be a real struggle.