打工.. you work every weekday, get a hopefully decent salary, but usually stable. But, many of 打工仔 might hate 受氣. 東家唔打打西家... does that work in Vancouver? Usually there's only 1 家...
自己做老板... you (potentially) earn much more, but on the flip side, the risk and stress are much higher. Time for kids and family would reduce. Everything's $$$ in the eyes.