100k per year is quite a lot of cash, when nearly half of it can go straight to investments. Of course you have to live within your means. Too many people think because they make 100k they have to buy a 1+ million dollar house.
As for running a business the thing is because it's your own gig you can run it the way you want. If you do things right it will run itself. In the corporate world you are often not allowed to do custom coding/measures and you are not in charge of processes, so automating stuff and making things easier and more profitable is harder. When it's your own business you can do what you want, and work the hours you want. Me personally, I would probably work from 10am and up, no earlier. If the business got big I'd then hire people to handle the early morning stuff, while I handle the day/night stuff. With where I work, lot of tech related stuff is considered a conflict of interest though. I'd love to get into web hosting or something similar. It's a cut throat business but it's fairly easy once you have everything setup especially if you get big enough to own your own data centre and have staff to do tech support and what not.
I also heard stories of people making phone apps/games making millions. I suppose that's rare but it happens. Candy Crush and Farmville for example make millions. The guys who coded those are set for life even if the games die off. Takes a lot of hard work and is risky because the game/app may not take off but if it does, then you just won the lotto.
I realize working is part of life, but what I'm trying to say is, it really sucks that it's that way, imagine if you could spend more time with family and friends and enjoy life instead of spending it working for somebody else. Of course that is a dream land, but I'm just saying, it would be nice. 100's of years ago that's probably how it was. People owned farms and what not and lived for themselves. Grow your own food, make your own things, etc. People ran their own businesses instead of mega corporations owning everything. It was a lot of hard work but it was a simpler time too and more rewarding. Not to mention healthier. I can't speak for myself because I like my job and it's stress free, but there are lot of people out there who are stressed to the point of it affecting their health, and it's considered normal these days. Some people work crazy hours and don't even have time to eat half the time.