Have you ever had a very small child explain something to you in an extremely condescending way? You listen and nod. You're respecting the truth of the three-year-old who is explaining why hiding all your money in a hole is a good investment, but you are also not letting go of the fact that the three-year-old is not your best bet for financial consultation.
In freelance years I am a two-year-old. I started my freelance career in October 2018. So I feel a little like the three-year-old giving financial advice to adults.