If you're an independent trader (either at home or prop) is this a big problem? Since your income is unpredictable it's possible that many lenders (or landlords even) would not want to deal with you. If you have a high enough net worth, or make far enough into 6 figures a year, or into 7 figures, then obviously you shouldn't have many problems. But for many aspiring traders who seem to simply want to replace the income from a job this seems like a risky proposition. My thought has always been if I can't expect to make 2-3 times what I could make in a job then this isn't worth pursuing. If you're making 50k a year in a job and transition to making 50k a year as an independent trader, that could mean some big changes in your life. Not only a loss of benefits at work, but getting car loans, a mortagage, or even being able to rent an apartment could become big obstacles. Anyone have any personal stories of how being a trader impacted this aspect of their lives?