FWIW,
I think you are shooting way to low on the income side. I own a couple side businesses one of which is in SD. Our receptionist/office manager makes about 30K with full health benefits, 2 weeks vacation, 3 personal days, 6 paid holidays and a gym membership. If you can walk, chew gum, operate a computer and actually show up for work everyday you should have no problem making 30K a year each out here.