I miss sick days and vacation days

I think I can handle most of the sacrifices one has to make when you decide to walk the road to self employment. No money in the bank, not a problem; the month end rush around making payroll, gotten used to it; responsibility, bring it on.... But the one thing that I really really miss is for some one else to pick up the tab when I am down home with the flu or in Nathia Gali on vacation.