Why would you consider an "agency contract" with all the uncertainty, the dodgy dealing and have the burden to ensure you are tax compliant etc versus a contract directly with "any employer" and the protection and security (FWIW!). Considering RYR pilots have been campaigning for years to get direct employment it seems odd not to take advantage ...IF its on the table. Now if the real question is " how much cash can I salt away?" that's another issue coupled with the " can I sleep at night" and not live in fear of the tax man..as per, Italian, French and German bases