I'm in my 20s and am single so I cannot even relate to your situation. However you mention you don't have lots of savings but you want to stop working and work

I'm in my 20s and am single so I cannot even relate to your situation. However you mention you don't have lots of savings but you want to stop working and work on something for yourself. You might want to research moving out of the country for a year or two with your family. I've lived in a few countries where $500 a month goes a long way for one person. You might be able to rent out your home as well to get income. Moving to a place with a low cost of living would give you time to build a business or work on an idea that interests you. When I was living in China, I started doing freelance work through oDesk. I only needed to work 30 hours per MONTH to cover my expenses because I was earning US dollars. On the other hand, if you are 40 and haven't saved much, you might want to look into budgetting and personal finance first to control your expenses. While the cost of living is cheaper, if you want to live the American lifestyle overseas abroad you will definitely pay for it.