Ever since a sistah said hi to 40, I’ve been thinking about ways to increase my finances and build wealth so I can actually sit my ass down one day and chill. I’ve been working since I was 17 years old, and although I take pride in the current work that I do, I desire a life that I can just live without all the major responsibilities and weird politics that comes with every damn job in any given field — even the ones you really enjoy.

I desire to experience a life without worrying about finances or obsessively working to stack paper that I can’t take with me. I just want to hit a point where I know I’ll be monetarily straight for the long run because I made the right financial choices during my active work years. As Rick Ross once said on a Rap Snacks bag, ‘the goal is to be rich forever.’

So now I’m up at 2:00 a.m. researching how to retire as a small business owner and I catch wind of solo 401(k) plans which are basically individual 401(k) plans for business owners with no employees. This is a realistic and reasonable retirement plan for self-employed workers and bosses who may not have the option to enroll in a traditional job’s 401(k) plan. Through my research, I also found that solo 401(k) plans come with some nice perks such as tax advantages and the ability to cover your spouse under the plan.

With all of my research, I’m definitely thinking about taking the leap and investing in my future with a solo 401(k). What’s the worst that can happen? I’ll be penalized for trying to take the money out for Beyonce tickets this year when I know damn well I’m not supposed to withdraw until I’m 59 in a half years old? Possibly. We’ll cross that bridge when we get there. In the meantime, get money.