If I were you I would pick option 2. Keep stacking now as much as you can afford, before ETF floods the market. On the side ALWAYS look for something that interests you. Maybe pick part time in the diff time zone so doesn't interfere much with your current (cash cow) job :-) Personally I'm always looking, one never know when you find a gem. You know what they say: Success = preparation + opportunity. So be prepared...!