u/Exact-Air6675

I’m a 27-year-old (Canadian/Irish citizen) and lately I’ve been feeling stuck trying to figure out what my next financial move should be.
My income varies between roughly $200k–$250k CAD depending on overtime and premiums. I already own a duplex and plan on purchasing a larger multifamily property within the next year. I’ve also maxed out my total RRSP and TFSA contributions room.

The advice I consistently get from other high earners is pretty much always the same:
- Live below your means
- Pay off debt aggressively
- Max out registered investment accounts
- Buy and hold real estate

Honestly, I understand the logic. Long-term wealth is usually built slowly and consistently. My doubts come from the fact that I don’t necessarily want to work a salaried job forever. I currently work 80+ hour weeks, and while the pay is great and I love the job, I’d realistically take a 50% pay cut if it meant having more freedom and control over my time.

I also read a lot about wealth creation and it seems like most people who build serious wealth eventually own equity in a business — whether that’s entrepreneurship, partnerships, or scaling real estate into an actual operating business.

I think an advantage of my current schedule is that I have a lot of flexibility. I work a 2-week-on / 2-week-off rotation plus 4 additional weeks of vacation, meaning I only work about 5 months of the year. So I actually have a significant amount of free time to build something on the side while keeping the security of my income.

The problem is figuring out what.

I’m interested in real estate, scalable service businesses, online businesses, logistics, construction-related businesses, etc. I feel like I’d do well running a business, but I don’t know which path makes the most sense from my position. I’ve also been looking into how my European citizenship can open doors for business over seas; such as air bnb like my MIL/FIL own.

For those of you who:
- Started businesses while working high-income jobs
- Transitioned out of salaried work
- Went all-in on real estate investing
- Built side businesses into full-time income

What did your path actually look like?
What would you do differently if you were starting again with my income, schedule, and age?

I’m a 27-year-old (Canadian/Irish citizen) and lately I’ve been feeling stuck trying to figure out what my next financial move should be.
My income varies between roughly $200k–$250k CAD depending on overtime and premiums. I already own a duplex and plan on purchasing a larger multifamily property within the next year. I’ve also maxed out my total RRSP and TFSA contributions room.

The advice I consistently get from other high earners is pretty much always the same:
- Live below your means
- Pay off debt aggressively
- Max out registered investment accounts
- Buy and hold real estate

Honestly, I understand the logic. Long-term wealth is usually built slowly and consistently. My doubts come from the fact that I don’t necessarily want to work a salaried job forever. I currently work 80+ hour weeks, and while the pay is great and I love the job, I’d realistically take a 50% pay cut if it meant having more freedom and control over my time.

I also read a lot about wealth creation and it seems like most people who build serious wealth eventually own equity in a business — whether that’s entrepreneurship, partnerships, or scaling real estate into an actual operating business.

I think an advantage of my current schedule is that I have a lot of flexibility. I work a 2-week-on / 2-week-off rotation plus 4 additional weeks of vacation, meaning I only work about 5 months of the year. So I actually have a significant amount of free time to build something on the side while keeping the security of my income.

The problem is figuring out what.

I’m interested in real estate, scalable service businesses, online businesses, logistics, construction-related businesses, etc. I feel like I’d do well running a business, but I don’t know which path makes the most sense from my position. I’ve also been looking into how my European citizenship can open doors for business over seas; such as air bnb like my MIL/FIL own.

For those of you who:
- Started businesses while working high-income jobs
- Transitioned out of salaried work
- Went all-in on real estate investing
- Built side businesses into full-time income

What did your path actually look like?
What would you do differently if you were starting again with my income, schedule, and age?

I’m a 27-year-old (Canadian/Irish citizen) and lately I’ve been feeling stuck trying to figure out what my next financial move should be.
My income varies between roughly $200k–$250k CAD depending on overtime and premiums. I already own a duplex and plan on purchasing a larger multifamily property within the next year. I’ve also maxed out my total RRSP and TFSA contributions room.

The advice I consistently get from other high earners is pretty much always the same:
- Live below your means
- Pay off debt aggressively
- Max out registered investment accounts
- Buy and hold real estate

Honestly, I understand the logic. Long-term wealth is usually built slowly and consistently. My doubts come from the fact that I don’t necessarily want to work a salaried job forever. I currently work 80+ hour weeks, and while the pay is great and I love the job, I’d realistically take a 50% pay cut if it meant having more freedom and control over my time.

I also read a lot about wealth creation and it seems like most people who build serious wealth eventually own equity in a business — whether that’s entrepreneurship, partnerships, or scaling real estate into an actual operating business.

I think an advantage of my current schedule is that I have a lot of flexibility. I work a 2-week-on / 2-week-off rotation plus 4 additional weeks of vacation, meaning I only work about 5 months of the year. So I actually have a significant amount of free time to build something on the side while keeping the security of my income.

The problem is figuring out what.

I’m interested in real estate, scalable service businesses, online businesses, logistics, construction-related businesses, etc. I feel like I’d do well running a business, but I don’t know which path makes the most sense from my position. I’ve also been looking into how my European citizenship can open doors for business over seas; such as air bnb like my MIL/FIL own.

For those of you who:
- Started businesses while working high-income jobs
- Transitioned out of salaried work
- Went all-in on real estate investing
- Built side businesses into full-time income

What did your path actually look like?
What would you do differently if you were starting again with my income, schedule, and age?