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

Shane Evans started a massage business in her 30s; now it's a franchise with 120 locations.

Courtesy of Shane Evans

• Shane 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.
• Two years away from the business helped her clarify her vision, she says.

This as-told-to essay is based on a conversation with Shane Evans, the CEO and Founder of Heights Wellness Retreat.