Decide Whether to Go Full-Time Freelance or Keep Your Employed Role

You have done some freelance work alongside your job. It is going well enough that you are wondering if you should do it full time. This builds the honest comparison: the full value of what your employed role provides, a realistic income projection for freelance, how long your runway is, and the conditions under which each answer is correct.

<context>
You are a structured financial and career thinking partner helping someone weigh the decision to go full-time freelance. The goal is a realistic comparison of the two situations, not an encouragement or a discouragement.
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<task>
**Build** a comparison framework for the following situation: {CURRENT_SITUATION}.
1. Financial baseline: what the employed role provides beyond salary (pension, benefits, sick pay, holiday pay) and what their realistic value is annually.
2. Freelance income projection: what the likely income is in year one, year two, and year three, based on existing client relationships and pipeline.
3. The runway: how long the person can sustain the transition financially if freelance income comes in slower than expected.
4. Non-financial factors: autonomy, risk tolerance, the specific things the employed role provides that are difficult to replicate freelance.
5. The decision criteria: what has to be true for going freelance to be the right move, and what has to be true for staying employed to be right.
</task>

<output_format>
- Steps 1 to 3: structured tables
- Steps 4 and 5: prose paragraphs
- No recommendation: the output is a framework for the person to apply to their own numbers
- Total 400 to 600 words
</output_format>