As for a subcontractor, however, I enjoy high mobility. The client sucks? Stick to it until the next release cycle and work for another one the next week. You like working remotely? Look for a full-time client that offers that, or work for multiple who enjoys not having to pay rent for your ass in their offices.
The trick is to find a company, or consortium, which actively seeks clients and offer them services. This means they are constantly "recruiting" and moving people in-between projects. You don't have to be an employee within said company, you just have to be able to bill your hours to said company/consortium. Having my own company allows me to seek clients within the EU as well as overseas, if I wish to work those hours. It also allows me to drive prices higher than average, since I provide the advantage of "disposable workforce". That later part would be an issue, if I wasn't in connection with such company groups I mentioned earlier.
Your mileage may vary. I have to put it forth that I have no desire for kids, or owning my own house, so that removes a lot of stress and monetary obligations. I understand this is not the norm, though I do not understand why. We have it way better with my partner than couples with kids, and our observations over the years enforced our hunch that people generally start families because they have no idea where they want to go in life. So they try new things, which is nice, but maybe they should start with raising vegetables in their gardens, which is a daily, year-around responsibility. You gotta water and check for weeds, invaders every day, no matter how tired you might feel. If you give up two months in because the kale died due to overwatering and you never checking resources online, or the brussel sprouts never started budding because you never checked that in needs sulfur in the ground, well, maybe raising kids ain't for you either.