Retirement, paid sick days, a steady schedule — in theory, these should be a given for all working people. In practice, not so much.

Right now, a little over 10% of the American workforce is part of the “gig economy,” according to the UC Berkeley Labor Center, which means that most or all of their main income comes from work they do as independent contractors or through temp, on-call, and contract work.

They aren't guaranteed direct deposits, they don't get paid-time off, and they often have to grapple with stagnating wages and self-employment taxes. Plus, there is no employer contribution when it comes to saving for retirement and health care coverage.