> I only work more than 40 hours a week if I feel like it

This line really hurts! I made my first website in 1999 and my first online business in 2010, and I've never had a real vacation without emails since then.

However, in my 40s, as self-employed, I've never paid myself a six-figure salary either. So perhaps I need to reconsider my plans for the rest of my life.