To answer this question correctly, we would have to know more. Age, are you on track with retirement already, other savings, other big expenses coming up, etc?

This is not the greatest time to buy or start a small business, but if you are serious, I would contact SCORE and attend a couple of work shops. As far as a business goes, you could buy a business for 150k with a SBA loan putting 30% down. A small business of this size with a good track record would net about 75k a year. If your making substantially less, this could be an option.

Without other data or details, I would suggest reading a suzy orman or dave ramsey book asap.