Bills need to be paid and college tuition/s and “retirement” need to be saved for.
The universally accepted solution is to just keep working.
The way I see it, when we factor in revenue, expenses, and taxes paid, one dollar saved is four dollars earned.
Meaning, we need to make approximately four times what we want to “take home” each month.
So rather than just keep working, you may want to also save, invest, and reinvest in your practice and in yourself.
As business owners, we must make our money grow by Saving (money and taxes), Investing (for me it’s the “SPY” index fund), and Reinvesting (money and time is the fuel that makes practices grow—you need both).
Spending on depreciating assets and stupid stuff kills money.
Mind what matters.
Never mind the rest.