It's hard to know if having your own business would pay off more than having a job working for someone else. A friend tried to start a small business unsuccessfully and many new ones fail. I think unless you have a real good plan to make your business successful, choose it carefully, and have the money for start-up without borrowing, or at least not borrowing much, it's best just to work for someone else. If you already have a small business, I think it pays off more.