Self Employed???
I worked many years for other people, bought my own business 13 years ago.I was fortunate to have a Wife with a good job as a Nurse with benifits including insurance. This business has been successful. Now we thought the business would be our retirement, with the economy like it is businesses are not bringing the same money as several years ago. I worked many 100 hour weeks, I though it would kill me at times. The business class is one of the best suggestions. Get a good account. Good luck.