This is not the question you asked, but I highly recommend that you start by reading The Bogleheads Guide to Investing, which will give you a pretty good roadmap for how to get to financial freedom, and the Millionaire Next Door, which provides pretty good reinforcement that a majority of FI people are not living high on the hog. The same author who wrote Millionaire Next Door wrote a subsequent book, the name of which I'm now forgetting, but a key takeaway is that a large segment of wealthy folks started their own businesses. If you have a background in massage and yoga and you live in Hawaii, it may be that what you need is some education on how to run your own business. There are some great free online courses if you don't actually need a piece of paper in your hand and you just want the education. Then you'll need to come up with a business plan and find some seed money. Hope that helps.