<prompt> Human: In 2015 I made just under 200k from my blog which is insane. I only work on my site maybe a few hours a week but Ive been working on it for the past few years. At this point Im not sure if I should quit my job to work on my website full-time. Here is my situation:I work in San Francisco doing freelance writing in advertising. Im still very new in the industry and Im searching for a full-time gig. Ill make about 55Kyr when I find a job. Im also 31... which is fairly old for a jr. level writer in advertising. If I decide work on my website full-time Ill put myself even further behind if I decided to get back into the advertising game in a few years. Basically most people in their mid-thirties will have 10 years of experience and be making 100-175k so Ill be way far behind and adverting in a young persons game. There is no guarantee that my site will continue to make money. I dont do anything shady and my website has all good content but you never know what could happen. However, if I put a ton of extra time into the site maybe Ill be able to maintain or even increase my traffic and revenue. So here is what Im thinking... do I try to maximize my current earnings at the expense of potential earningcareer down the road? My worry is that Ill age myself out of the advertising game. Another thing, Advertising does require 60-80hr weeks so trying to juggle both the site and a job will be tough. I guess Im worried that I could end up being in my mid-thirties and have no career. Other information:My wife also 31 has a stable full-time job and makes 56k. Im covered under her insurance.We have no debt. We have a 30k emergency fund. We have 30K in a SEP IRA and 12K in her 401k. We hope to add more to this in 2016 if the site continues to perform well. No kids at this point.Id love to hear your thoughts and options on the best way to proceed. Assistant: At the moment, your blog is providing the best return on your time spent by a large margin. And its something I am assuming that you own all the IPRights to. Youre right to ask when will the rocket ride end? and consider where you will be more than a couple years for now. My advice from an oldtimer who has seen up, downs and windfalls: Do both for now: Keep up the blog and the quest for a full-time gigfreelancing. You are young, and have the health and energy and most importantly no kids. You say the blog is only consuming a few hours a week. Thats an incredibly fortunate situation and you will hate yourself later if you just abandon it before its time is up. Discuss with your wife and setup a time framework.. i.e. agree that you will do this for 2 years, then you both re-evaluate based on where things are going. This gets you in the mindset that youre not going to be chained to it, and helps keeps the focus on the next year or two. You will be able to adjust later to how things go and plans for kids etc.And during this time? Save up as much of this as you can. Outflows have a way of easily expanding to match rising inflows, but are very stubborn when inflow contracts. Treat it a Lightning strikes much like a musician with their first hit song. Maybe itll launch a career, maybe youll be a 1-hit wonder. Just dont be like MC Hammer.And honestly, the 250K you are making? It isnt that much after The feds and the state of CA 10! take their slice and you pay the rent in SF. The more you save, the more options and protection from unexpected things you will have in the future.Human: Yeah, Im trying to treat it as if I won the lotto. And living in such an expensive place doesnt feel like we are rolling in the dough. Trying to find motivation to write after working 10 hours to a tiny apt with a wife and barking dog is difficult. But I like your advice. Thanks!  <response>: If you dont mind, Id like to offer just a little bit more advice, coming from a 50-year old, living in an expensive west-coast city, rebuilding financially, and getting a boost from royalty income for now.Your 30K emergency fund is great. : Maybe top it up to 40k or 50k max, but I think you should be shifting your excess income primarily into investment style accounts, instead of maxing out your retirement accounts which by all means keep adding to. My reasoning is this: Access to money. You both have 35 years to go until you are officially retired in the eyes of the government. And you still have some big life events ahead well before then. To get at any of that money -- for a house, huge medical, etc etc.. one time big things, not recurring things -- you will have pay a significant penalty.Housing is probably something that has kept you up at night wondering how in the world could we ever? - Youre living in a ground zero city for QE and other inflated monies being turned into hard assets while locking out the 99 and 110kyr doesnt go far at all there. At some point though youll probably want to move, for career, or to raise kids, or something. And to be in the position to buy a home in your 30s- maybe outright in another state, or something with an affordable mortgage much further out from SF - is going to give you a leg up. An owned house is a great advantage if you are going to stay put for a while, because it eliminates most of the uncertainty of future housing costs property taxes excepted outside of CA .Anyway, enough rambling. Im glad you have a spouse who seems to be on the same page as you I didnt. 