As a self-employed small business owner, you have lots of plates to keep spinning, and lots of additional costs that you never dreamed of when you were employed by someone else (like health insurance, for example).

FORBES: Social Security For The Self-Employed

This "residual benefit" feature could be more valuable than you ever thought, especially if you are a small-business owner, self-employed or in a fee-based practice, such as accountants and lawyers, says Michael Relvas, a financial planner in Rockville, Md.

WSJ: Conquering Retirement: Uncovering Hidden Disability Benefits

One of the biggest problems in our health care system right now is if you're a small business owner or if you're self-employed, you often have such a small number of workers that insurance companies aren't all that interested in your business.

WHITEHOUSE: President Obama Explains Why Health Insurance Reform is Crucial for Small Business | The White House