There are exceptions to the license law that allow an owner to hire an employee that works only for them.

  (9)  I contribute $19k to my traditional 401k because between employee match and 30% savings in marginal tax, my yearly return is is 65% on that 19k!

So I would say a very large portion of this companies thousands of employees are under 40.. and on top of that they make very decent wages.. ..

First, I presume that (i) you are self-employed; and (ii) you do not have any full-time w-2 employees (i.e. working 1000 hours or more per year) working for your self-employed business or otherwise working for you. 

I believe they only have 2 or 3 employees, so a very small outfit with no overhead -I assume that's how they are keeping their costs low?

The easiest way to maintain what I was used to and quality, was hiring employees.

That means a company that has nothing but words on paper and a few employees.

@Shankar BhagwandeenIf you are self-employed with no full-time w-2 employees, you can set up a Solo 401k & rollover funds from a non-Roth IRA as a tax-free direct rollover and then invest in real estate.Solo 401k vs.

I am already managing my management companies more than I could have ever imagined would be normal but I don't get the response I would expect from a direct employee.

Employee and employer make a lot of money both are equally happy.