2. Xavier is considering quitting his job as an editor for a major publisher to become a freelance editor. He currently earns $85,000 per year, plus an additional $15,000 worth of benefits. He estimates that as a freelancer he'll bring in $140,000 per year in revenue and he'll have to pay someone $40,000 to help him. To get started he'll need to withdraw $20,000 from his bank where it's earning 5% in interest per year