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Good feedback, thanks everyone. One good thing I have going for me is a bit of flexibility. As the side business grows, I could have the option of bringing in a partner to the practice and I could reduce my hours even further as I devote more time to the passion business if it takes off. And...

Thanks for the reply. The business asset is the value of my practice after subtracting the debt. We could certainly get by with less, that number is to protect against unforeseen events or a market crash. I'd rather have too much than too little. Also we have 2 young kids and live in an...

I'm a long time reader of the forum but first time poster. Thanks to everyone for your posts over the years. My situation: I'm a health professional in my late 30s and I make a very good living and also have a very good work/life balance. It's almost embarrassing compared to most of my...