Should I go for funding for a new startup or build a marketing business that isn't scalable?

I have two ideas. One of which is pretty open but will require new software and a marketing team. I will need funding for the software. The other I can build grassroots-style but will have to get a commissionable team in place to scale. I am 46 years old looking to retire from my 9-5 job. Which business structure would be easier to get moving?

Based on the three lines you've given us, I'd say the second option would be easiest to "get moving." Building a software and marketing team and finding funding is quite a bit of work. And of course, even if you do all that, you're just starting. With the second option, it almost sounds like you could be up and running by yourself almost by simply turning in your two weeks' notice.

I'd caution you about the "retiring your 9-5" comment. Generally speaking, no matter what you choose, you'll be putting in way more time than 9-5 to try to start a business. It just takes a lot of your time. At least initially. You can sometimes get to a point where you've got the magical 4-Hour Workweek or something, but realistically speaking, you should expect at least 40 hours a week, probably significantly more, for the next several years.

My last comment is that I don't think "easiest to get moving" should really be the only criterion--or even the most important criterion--for deciding which of several options to choose from. I personally would rather spend my life working on the business idea that I'm most excited an passionate about, even if it's harder to get going. I'm sure you're already thinking about that, but I just thought I'd throw it out there.