Its really hard for people to get to the point to do that unless they have a head start, or are incredibly innovative, its better to have both. The amount of income you need to personally take to have a decent house, decent car, and eat decent food suck almost every penny you would need to expand a small businesses if youre starting for scratch. Good luck buying a piece of commercial property if you already have a personal home loan, and car loan, even if the business you started is grossing 2 million a year. The bank wants you take that income to prove that company is profitable to get a good loan if you dont have a lot of assets, and all that money will be taxed and spent. Its a pain the ass system to grow inside of and takes virtually an entire lifetime of being in debt to get to the point you can start playing the games youre talking about without a head start or being really good at grifting people out of investment money. Add in a divorce and a couple fucked up kids, and your family is back to square one in less than a year.