This really comes down to a personal decision and what your goals are. I know a lot of investors who are willing to accept a lower return if it means less stress or less involvement. When you are younger and have more energy, it makes sense to think about how to use your time in the most efficient way without burning yourself out. Most people don't figure that out untill later in life. I have been self employed since my mid 20s. I bought my first business with very little down, built it up, and sold it one month before the 2008 crash. At the time I had one rental and 1 child, and I became a stay at home dad. During that stretch I spent a lot of time reading, especially about estate planning. One book that stood out was How to Avoid Probate by Norman Dacey. I read others too, but that one stuck with me. With kids, it felt important to get things set up properly. We put wills and trusts in place even though we had a very small estate. People would ask why, since there was not much there. But it is interesting how many people think in terms of “why bother” instead of seeing it as planning for a better future. I had the time to focus on it between diapers and bottles. Keep in mind we had very little assets so we bought life insurance for just in case. I didn't want my kids or the wife or just the kids to be left without a solid start if something happened. So ensure you plan if you have a family without enough assets. A couple years later, around 2010, I got into master leasing residential and small multifamily properties. I would pass through somewhere around 88 to 92 percent and built a strong cash flowing business. Over time it became very passive. And we bought assets. Eventually I got bored and sold that book of business in 2023. I also sold a house and reinvested into more time and freedom. This was most important for me. Over the last six months I have tried a few different things. Some felt right, others did not. That process helped me figure out what I do not want to do, which is just as important.