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It's never been easier to freelance develop remotely. Definitely not too late, and I'm not sure it ever will be too late.

what would you charge starting as a freelancer?

Charge whatever you can find someone willing to pay.

Increase your rates until you can't find someone willing to pay that amount.

If you can't find customers at your rate, then lower your rate.

Start at $30/hr then $50 then $100

Then $150...