Thank you, Jane Hwangbo. That was easy and understandable. I wish more books will explain complications in such words!
However, I personally always was struggling (still, do!) with another issue — taxes. If you already wrote (I didn’t find) a peace about taxes — I would love to read it! I mean, here in the USA, schools never teach you a damn thing about all this. What you pay taxes for, how it works, what is W2 form, how to fill forms for self-employment and many-many more thing.
If you had an idea to write an article on this subject, well, I think there is a bunch of folks who will find it useful. I will!