I've worked for agencies now, for several years. Yes, I make more money than a staff nurse, but the hours are never guaranteed. I've had great weeks and terrible weeks. You need, at least, 1 year hospital experience before you can do agency work. Some agencies, like the one I primarily work, do offer good benefits, including paid vacation. I do like working for myself and the freedom it gives, plus the challenges it offers. You have to be dedicated to work though, one can go broke "goofing off".

"If you don't open the store, you don't make a profit".