I'm sorry, but I fail to understand you? On the one hand you tout "Independent Nursing" as a field that reimberses you well, and on the other you appear to bemoaning the fact, that one must withhold their own applicable taxes, and have a small home office. Are you not aware of the benefits, of these two items? 1) You get to withhold as much (or little) tax as you deem necessary to placate our federal and state governments. 2) and here is the beautiful part, all you need to do is advertise, let's just say a car window decal "Nurse for Hire, Call 555-1234 for details"(fictitional of course), plus there are all kinds of ads on the internet for 250 free business cards. Start handing them out in grocery stores, restraunts, anywhere you go on a regular or irregular basis, and guess what, --yep!-- you are in business. As such there are literally thousands of "Tax Advantages" that you are entitled to. I could not explain them all to you here,however if you put that decal on your auto rear window and keep all your fuel receipts you are allowed to take 50% of that total off your earned income, all expenses incurred for maintenance of that vehicle are also tax deductable. Saving your receipts for moneys received, shows "An intent to make a profit" I am no Tax Guru or even a tax advisor but I have been doing this for years, just by working over 50 miles from home, because most of these "Write Offs" apply to travelers as well. My wife and I usally receive 50 - 75% of all taxes paid in at the end of the year and we are still told by many of our friends, and associates, that we could do better.
I think the message I am trying to convey to you is, challenge yourself to find this information and take full advantage, of your "Independent Status"