1. Don't wait around for employment. Create it for yourself. The relationship between work and pay has been so corrupted by entitlements that our society has lost sight of the basic formula for survival. Figure out what you think your time, education, skills and experience are worth, slap a price on it, then get out there and sell yourself. Research market demands, then decide how your skills can best serve them. Don't wait around for someone to give you money to start a business -- start small, grow organically and re-invest any profits back into the business. Don't worry about starting from scratch with very little -- everything has to start with a first step. You may as well invest in yourself. A new study by the National Employment Law Project has found that 58 percent of new jobs created during the recovery are "low-paying," as in under $13.83 per hour, anyway. If your time is worth more, then start demanding it. While no one is paying your way, you aren't beholden to anyone either. You're totally free. Partner with other independent contractors like yourself when you need to. No one ends up leaching off anyone else. The flipside though is that you can't ask to get paid not to work, but you can vacation whenever you want.