How long have you been doing this? I've been running my own little businses now for just over 10 years. I could have written your post 5 years ago.
But actually, now I'm not completely sure. For a start, the rollercoaster of finances has been hard. I'm the main breadwinner so its' been stressful - lose a big client and we're scrambling. And while we've tried, we've never reall ybeen able to build up much of a protective layer for lean times or, if we do, we have to then use it. Similarly, I'm conscious I haven' tbeen paying enough into my pension and that all my various insurances are expensive and not as comprehensive as I had when I worked in the City.
At the same time, professionally, for years I felt like you - I loved not being micro managed, not having to deal with all that shit etc. But now there's a part of me that's getting frustrated because I'm also not really part of the decision making. I sit and wait for clients to agree to work, to brief me on the work, to sign off the work. When I do the work, I'm doing it always in line with what they want and of course, they value my input and experience, but I'm not the one who gets to make the final decision. Also often I am hamstrung by internal processes with no power or opportunity to cut through them. This didn't bother me for years, but perhaps as a result of my children being older and me being able/willing to put a bit more of myself into work, it IS irritating me now.
And from a personal perspective, post Covid, things have changed. I used to be in town a lot, meeting clients etc. Now, I almost never see people in person. I have a lot of clients in New York but even they used to visit - they just don't anymore. So I'm at home, all day every day.
And that brings additional irritations - I'm 100% default parent, the one who collects when children are sick etc. It's vey hard to say, "no, you have to skip your shift at work DH because I need to focus on this research report" when I'm sitting at home anyway. Somehow, we've slipped into a situation where because DH works out of the house, even though i work longer hours and more money, I'm back to doing a lot of the household tasks. Similarly, the kids will ask me to drive them places/drop things off etc. Obviously, I could and should say no but it's not as easy as that vs if I had an actual job and/or was in town a lot more.
Currently, I'm hoping to find a part time job that will allow me to still do some, albeit less, freelance work.