The stuff that holds us back isn't always what it first seems. When software development was my primary business, I always under-charged. Not by a small amount, but by huge amounts. Like a quarter of market rate for someone of my experience. I tried to raise my rates, I couldn't. I just didn't know how. And this is for a field that I have twenty years experience in. A field where I used to be well-known. Despite this, I had some mental block about raising my rates.