I've been working as a freelance software developer for about 5 years now, and my billing model is such that I only bill for hours spent writing code. Time spent communicating with people is non-negligible, which means that it has to be baked into my hourly rate. So I'm very cognizant of how much time I spend communicating with people, and how much time I spend writing code.
I strongly disagree that 99% of the effort is not writing code. Consider how long these things actually take:
> - they: we need a new basic POST endpoint
> - us: cool, what does the api contract look like? URL? Query params? Payload? Response? Status code?
> - they: Not sure. Third-party company XXQ will let you know the details. They will be the ones calling this new endpoint. But in essence it should be very simple: just grab whatever they pass and save it in our db
> - us: ok, cool. Let me get in contact with them
That's a 15 minute meeting, and honestly, it shouldn't be. If they don't know what the POST endpoint is, they weren't ready to meet. Ideally, third-party company XXQ shows up prepared with contract_json to the meeting and "they" does the introduction before a handoff, instead of "they" wasting everyone's time with a meeting they aren't prepared for. I know that's not always what happens, but the skill here is cutting off pointless meetings that people aren't prepared for by identifying what preparation needs to be done, and then ending the meeting with a new meeting scheduled for after people are prepared.
> - company XXQ: we got this contract here:
> - us: thanks! We'll work on this
This handoff is probably where you want to actually spend some time looking over, discussing, and clarifying what you can. The initial meeting probably wants to be more like 30 minutes for a moderately complex endpoint, and might spawn off another 15 minute meeting to hand off some further clarifications. So let's call this two meetings totalling 45 minutes, leaving us at an hour total including the previous 15 minutes.
> - us: umm, there's something not specified in . What about this part here that says that...
That's a 5 minute email.
> - company XXQ: ah sure, sorry we missed that part. It's like this...
Worst case scenario that's a 15 minute meeting, but it can often be handled in an email. Let's say this is 20 minutes, though, leaving us at 1 hour 15 minutes.
So your example, let's just round that up into 2 hours.
What on earth are you doing where 3 hours is 99% of your effort?
Note that I didn't include your "one week later" and "2 days later" in there, because that's time that I'm billing other clients.
EDIT: I'll actually up that to 3 hours, because there's a whole other type of meeting that happens, which is where you just be humans and chat about stuff. Sometimes that's part of the other meetings, sometimes it is its own separate meeting. That's not wasted time! It's good to have enjoyable, human relationships with your clients and coworkers. And while I think it's just worthwhile inherently, it does also have business value, because that's how people get comfortable to give constructive criticism, admit mistakes, and otherwise fix problems. But still, that 3 hours isn't 99% of your time.