Most people likely would just say they want to start a home business to make money. To what degree depends on the individual circumstances. It could be extra money to pay bills because the regular paycheck is not ‘stretching’ as far as necessary. It could be extra money for some special thing like a vacation or a new car for example. It could be extra money to create some savings or investments for retirement or a ‘safety net’.
Money could be needed more critically if someone has lost their job and has been unable to find another one, and need to replace their salary. This is the scenario where they would be better off if they had started something part-time that they could capitalize on where ‘spare time’ is all they have right now! It is important to plan for the unexpected just like we should do for earthquakes or hurricanes