I am spending 100% of my income :), 4 years ago when i maxed out i was saving like 30-40%, but expenses always tend to grow, and when income doesn&#x27;t it doesn&#x27;t end well.<p>Agency - i tried, so far it didn&#x27;t work. I haven&#x27;t found a single client who wanted me as an agency. I think it works differently from freelancer sales: you pitch to totally different people in different situations. My Upwork study also included a separate study of agency success, and it was overwhelmingly negative, there are very, very few successful agencies on Upwork, looks like whole agency thing doesn&#x27;t work there. Of those not in India&#x2F;Pakistan and thus working for $10&#x2F;h (something clearly impossible in my case), there is just 1 really successful one, visibly making &gt;$1M a year: <a href="https:&#x2F;&#x2F;www.polcode.com&#x2F;en&#x2F;" rel="nofollow">https:&#x2F;&#x2F;www.polcode.com&#x2F;en&#x2F;</a> and a few others making $200-$500K a year, but i seriously don&#x27;t want to go from 1 person business to 20 person business for 2x raise or 200 person business for 5x raise. And i don&#x27;t believe i can pull it off. This is something completely unrelated to what i do now, i&#x27;d be as good trying to switch careers into an opera singer.