Have you ever dreamt of starting your own business? It might sound more fulfilling — but being an employee has some perks you might miss. 33-year old Rhiannon set up her first business three years ago, offering virtual PA services. Even though she’s making a profit, Rhiannon is struggling to find a mortgage lender who will help her buy a property. Plus, she’s unsure about whether to leave her savings in cash — or risk tying them up inside a pension. Expert help is on hand from Holly Mackay, founder of Boring Money and mortgage broker Will Rhind from Habito.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.Further reading:-Writing a will is one thing that’s been on Rhiannon’s financial to-do list for a while. Listen to this Money Clinic to find out how to set one up online.-The pandemic has been tough on the self-employed. This Money Clinic with jewellery designer Roseanna Croft has expert tips to turn around a small business-Pensions have long been an issue for the self-employed. This free-to-read FT column has practical tips: Self-employed women - how good is your pension? -This free-to-read FT piece reviews the apps that can help the self-employed manage their finances-And this Money Clinic from the New Year has the lowdown on wills Hosted on Acast. See acast.com/privacy for more information.