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Christine Benz of Morningstar.

The “gig economy” may sound hip, but it’s really made up of those who are self employed and work as independent contractors.

It’s a group of individuals whose numbers grew by 15% in the past decade, according the Christine Benz, Morningstar’s director of personal finance.

In 2019 — the year before the COVID-19 knocked the Earth off its axis — 16% of workers at U.S. businesses were independent contractors (or gig workers).

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