[GSlob]

Well, self-employment is not for everyone. And paycheck is not guaranteed either, at least when one is not a tenured professor or a government bureaucrat. Saving/investment route has much lower entry barriers.

[misterrob]

It isn't for everyone but the paycheck thing means you negotiate a wage and benefits arrangement and you know where the check is coming from. Yes, they can fire you but it becomes more complicated to replace you when you have skills. And, with skills you get to go elsewhere easier than those without them.

The Millionaire Next Door is a great book. Balance sheet wealth versus income statement wealth. The latter wins hands down.