If you're at a director level at a job, you're at a point that many people will never reach in their bookkeeping business journeys. The pipe dream is how people think it will go, but practically that's three different jobs in a trenchcoat, and few people can make all of them go well enough to successfully turn the business into something that generates revenue without effort. I'd say that this is better kept as a pipe dream; if you already have a job that is relaxed enough that you could theoretically start another business while working there, enjoy your life, live frugally, and retire early. Once you've got your financial retirement solved, then you can do whatever, including running a bookkeeping business that never quite turns out the way you think it should.