What's your biggest financial pain as a freelancer?

Question for freelancers, VAs, content creators, anyone earning USD online here.

Beyond finding clients and doing the actual work, what's the money side of freelancing that stresses you out the most? Things like:

• Figuring out how much you can actually spend vs save when income changes every month
• Dealing with BIR registration, filing, or worrying about back taxes
• Losing money to PayPal fees, bad conversion rates, or figuring out the cheapest way to get paid
• Not knowing what to do when a client pays late or disappears
• Having no idea how to set aside the right amount for taxes each quarter

Or something else entirely.

Curious what everyone's experience is.