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I started a small massage studio with my 401(k). Now it averages $1.2 million per location.

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Shane Evans started a massage business in her 30s; now it's a franchise with 120 locations. Courtesy of Shane EvansShane Evans started a massage business in her 30s; now it's a franchise with 120 locations. She cashed out her 401(k) and kids' college savings to fund the initial business.

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