Hacker News Reader

It's contract work paid straight to the dev, with a 1099 when tax season rolls around.

Ok so they're paying the rest of the full load.

How do I tell an employer I just want my 'fully loaded' cost in cash?

Become a contractor. If you go this route, be aware an additional ~1/8 your income will be confiscated as taxes.

Worth it for the flexibility, IMO.

The overhead costs of highly paid employees in the US are something like 25-50% of the wage. $200/hr gross will pencil out at $1xx/hr received.

Depends on the company. I have seen people making $40k/yr being billed out between $180-210/hr... about $20/hr for the employee after PTO.