After years at a larger firm, Dave Grant launched his own financial planning business, Finance for Teachers, in Cary, Ill. Follow his high's and lows of starting his own RIA in his bi-weekly blog, The New Generation's Practice. Click here for more of his posts.

For the past six years, I have started work at 8:30 a.m. and been able to leave at 5 p.m. (most of the time). I’ve had a structured day in which I know what tasks I needed to accomplish. Given the places we have lived, that has meant a 45 minute commute in the morning and at least an hour at night.

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