A study from Payoneer found that the average freelancer makes $39,000. That’s… not great, if we’re being honest. It’s lower than most salaries in major U.S. cities for design, development, and other creative work. Taxes and insurance alone would cut that number in half. That means while many freelancers can make a decent living, it’s not exactly a great living, either. Top freelancers, on the other hand, repeatedly pull in well over $100,000 each year. So what accounts for that…