Ask HN: B2C or B2B for my next product?

I successfully launched my first product a few months ago, but with experience I’ve realized that it’s growth is limited, and I can’t market it well enough to produce good income.

Therefore, I’m looking for my next product, and I’m being torn between two ideas.

The first one is a B2C in fintech, focusing on personal finance. I believe I have a unique approach to PF and would like to build a desktop app for that. Marketing is mainly word to mouth + SEO based on blog posts I would write. Business plan is a yearly subscription per major version. The drawbacks are that I’m not sure how much people would be willing to pay for a desktop app, and how big is the market (there are a lot of competitors already, some of them are free).

The second one is a B2B platform in real estate. As someone who recently relocated, I believe I have found a good opportunity to build a SaaS focused on real estate. Marketing will be mainly cold emailing to potential clients, while the business plan is a forever subscription, with an option to pivot to on-prem installation with retention/service fees. Drawbacks are: I never did B2B myself (worked at companies that were B2B), and never did cold emailing.

Both require a good amount of development for the MVP. B2B does seem like a better option, as I’m somewhat got disappointed in the indie hacking sphere, and the idea of micro SaaS. But I must admit, I’m more drawn to the desktop app idea (but this could be the developer in me talking).

My end goal is to escape employment by building a business I own, but not necessarily grow too big.

What are your thoughts?