I'm in the same shoes as you (I enjoy my job but it doesn't fit my life goals down the road). I just started in July and I'm doing ok for myself. I also reinvest 100% of the earnings back into the business. Maybe I'm new and naive but these other guys sound burnt out to me. You can make a killing out there if you play your cards right and don't take the accounts that don't make you money. I can't answer your question because I'm not to the point you're asking about yet but I'm closer now than I was in July, the sooner you start the sooner you'll get there. Just a business thought from a different perspective, I'm sure you have experience and are pretty efficient with a trencher, you might even own one for your electrical side jobs. I don't know exactly how involved it is because I don't play in that game yet but a few college courses learning about irrigation which has a much higher potential profit margin and you could have a nice little niche built for yourself. Also low voltage landscape lighting is today what paver patios were 10 years ago, I would seriously look at that in your business plan. As much as you can make money mowing lawns it is a cut throat modest profit margin area. You're well on your way having the skills and or tools for some other related specialties with higher profit margins.