Are you asking what an in-house job looks like at $93k? Or are you asking what a freelancer would have to do to earn $93k, from which you’d have to handle all of your own overhead and taxes?
Someone who makes $93k at a f/t job is essentially making significantly more than a freelancer at $93k, given taxes, paid time off, benefits, perks, equity, etc.
A U.S. freelancer typically needs to earn 25 to 35 percent more than a f/t person to run at equivalent financially. And that doesn’t include the development, training and career pathing that a f/t person would get at a good employer, which makes them increasingly valuable and qualifies them for more opportunities.
I know f/t writers who make $90k or significantly more. They tend to write about complex topics, which have a higher barrier to entry than simpler topics — less competition. That can include technical writing, enterprise software / B2B, personal finance (not lightweight stuff like budgeting, but stuff that takes domain expertise and / or research), defense, online security, crypto, for example.
A lot of that work involves acquiring or converting users to help generate revenue, helping sales teams, etc. This can be hard for freelancers or agency folks to do well, because you rarely get robust access to the business’s SMEs, analytics, user patterns, sales funnel info, etc., versus a staff writer.
Plus, if the work involves SEO, staffers should be able to kick the ass of any freelancer or agency writer, because you have inside access to all the analytics, business and product developments, and are doing testing nonstop if you’re savvy. You also have the benefit of all of your f/t coworkers’ experiments and thinking. And staff folks tend to focus on a narrower set of work vs. freelancers and agency people, so they’re essentially marinating in company sauce and developing domain expertise all the time vs. outsiders.
Generally, the more revenue you help generate, the more you earn. And that’s harder to do at a distance.
People who write lighter content or do general assignment reporting tend to not make much. That’s because they’re not generating much revenue. Plus, the barrier to entry is low and you end up competing against an ever-growing number of people who will write funner or easier stuff for little or no money. That suppresses your earnings even if you’re talented.
Some people do a mix of work, so they have better-paying work to subsidize the cheaper, which they enjoy more.
The freelancers I know who make a lot have significant repeat / tentpole and referral work. They’re often booked out for weeks to months. That allows them to cherry-pick the best clients and keep raising their rates. Successful freelancers are always testing what the market will bear price wise and they fire cheaper clients and replace them with better ones.