会社員を辞めて独立起業・フリーランス(個人事業主)になることが本当に良いのか

30代の転職

最近は会社員であることがリスクで、こんなご時世こそ独立起業するべきであると脱サラを推奨する専門家が増えていますが、果たして本当に独立起業することで人生は変わるのか、豊かになるのかを検証したいと思います。

厳密にいいますと税法上では、税務署に個人事業主として開業届を提出したフリーランスが個人事業主の扱いであるという違いはありますが、それ以外の大差はない為、この記事では同等であると定義して解説していきます。

スポンサーリンク

◆フリーランスとして生きる

フリーランスとは個人で自由に仕事を請け負い、その対価として報酬を得る働き方です。
能力やスキル次第では仕事を無限に獲得することができ、大手企業から直接依頼を受けることができれば、サラリーマンでは得られないような収入を得ることも出来ます。
自分の好きな時に自分の好きなことをして収入を得ることができる夢のような仕事ですね。

フリーランスの仕事は様々ですが、最近人気で代表的なフリーランスといえばyoutuberです。
ヒカキンやはじめしゃちょーのような日本を代表するyoutuberになれば、サラリーマンの生涯年収を1年で得ることもできるでしょう。

一般的なyoutuberは主な収入源としては、もちろん広告収入です。

有名なyoutuberともなれば、大企業案件などで大きく稼ぐことができるようですが、ハードルは非常に高いということです。
しかしながら、誰でもすぐに広告を付けることができるわけではありません。

条件としては(2018年2月時点)

・過去の総再生回数が4000時間以上
・チャンネル登録者数が1000人以上

いかがですか?誰でも達成できる内容とは言い難いですね。
実際にほとんどの方は広告が付く前に辞めてしまうとも言われています。

華やかな仕事であればあるほど、成功できる方はほんの一握りであるという事実があります。

一見華やかなフリーランスの仕事ですが、もちろん保障がないことが最大のリスクとなります。
youtuberも突然の規約変更などにより、今までのような広告収入を得ることができなくなる可能性があります。
また、大手企業から直接仕事を請け負っていた方も、企業の業績悪化などにより、突然仕事が打ち切られることがあります。

フリーランスは企業にとっては、非常に都合の良い存在であって、いつでも契約を解除することができます。最近ではフリーランスになる方が増えているせいもあってか、本来会社で勤務して得られる収入よりも格安で仕事を請け負うフリーランスも増えています。

仕事内容によっては、フリーランスが競合している状況であり、価格競争が起こることも事実です。

企業にとって、本来は会社員を雇って高い報酬を支払わなければならない仕事を格安フリーランスをたくさん抱えて、コストダウンを図っているという実態もあります。

◆フリーランスの収入

フリーランスとして年収240万円以上稼いでいる方は、全体の10%以下というデータがあります。
月収20万円稼いでいる方がほとんどいないという現状は無視できません。
要するに年収240万円稼ぐことができれば、フリーランスとしては大成功であり、エリートになれるということです。
さらに年収1000万円以上稼いでいる方は100人に一人か二人程度と言われています。
そのほとんどが医者や弁護士などの地位の高い人であるということが事実です。

◆独立起業を勧める本物のメンターを見つける

独立起業を推奨する方々は年々増加傾向にありますね。
彼らはもちろん独立成功者ではあると思いますが、努力のレベルが人並み外れているという事実があります。
普通の人が1やることを彼らはその数倍、数十倍を継続して実行しているのです。
ほとんどの方はその1すらやらずに諦めてしまいます。
まずは1やることを実行するマインドを持つようにしましょう。

本気で起業を目指すのであれば、そのような方をメンターにして、色々と学ぶことが成功への最大の近道であると思います。
気を付けなければことは、最近では経営コンサルタントを名乗る方が増えており、自分自身で成功した経験がなく、金銭目的で無責任なコンサルを行うケースがあるようです。経営コンサルタントをメンターとする場合は要注意です。
その方がコンサルした企業の実績を必ず数値で確認してください。

成功者の「ものまね」をするわけですから、本気の覚悟と信念をもって取り組まなければ、あっという間に潰れてしまいます。
メンターの教えの通りに実行しなっかたり、最悪全く行動することなく失敗する方も多いという現状もあるようです。

◆フリーランスになることで負担になること

様々な支払いが会社員と比べて飛躍的に増えます。
税金や年金、退職金の全てが当然自腹です。

会社員である時は会社が勝手に社会保険や税金などの処理を行ってくれますが、フリーランスになれば全て自分で行わなければなりません。
国民保険については収入に応じて、最大で毎月6万円ほどの負担になります。

将来の保障を考えても年収1000万円稼いで、サラリーマンの年収300万円とほぼ同じであると言われています。

そうは言っても、自由に仕事をする以外にフリーランスになることのメリットはもちろんあります。
フリーランスのメリットとしては、稼ぐ額が大きくなった場合にサラリーマンと比較して、節税対策がしやすいということです。
節税対策として様々なもとのがありますが、代表的なものとして小規模企業共済です。節税をしながら、将来の年金対策ができるものとしてフリーランスに大変メリットがあります。
やり方によっては、サラリーマンと同等の年収でも手取り額としてはフリーランスに軍配が上がるということです。

◆まとめ

フリーランスになることは職業の選択肢として現在注目をされています。今後は早期退職をして、フリーランスを目指す方が増えていくことでしょう。
しかし、サラリーマン時代の約3倍稼ぐことが出来なければ、現時点では良くても老後の生活資金を考えると生き残ることは厳しいと言えるでしょう。

フリーランスをお勧めできる人としては、会社に依存しても自分の能力を最大限発揮できないと考えている方や、自分自身の能力が個人レベルで十分社会に通用すると確信している方です。

会社の人間関係に疲れて、自由になりたいと考える方も多いと思います。
しかし、自由を求めて何の目的や信念もなく、流行っているからと言って、フリーランスを目指すことは最大のリスクであると断言します。
独立するにあたり、独学で成功する人はほとんどいないようです。
本気で独立起業を目指すのであれば、本物のメンターを見つけてその方の教えを忠実に実行できるマインドを持ち、確実に実行することで成功者となることができるかもしれません。

ただし、独立起業しても10年後の生存率は10%未満であることを忘れてはいけません。

覚悟を持って独立起業を目指すのであれば、明るい未来が待っているかもしれません。

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