$3K AUD Own Account or Go for $100K Funded and Cash Out at $20K USD

Hey all, I’ve got $3K AUD I’m thinking of trading, but I’m unsure whether to: 1. Trade my own $3K through a broker like Pepperstone or FP Markets—full control but small capital. But chance to scale. 2. Go for a $100K funded account with FTMO or 5%ers. The idea would be to build it up, withdraw around $20K USD, and then stop. Anyone done something similar? Is it better to just stick with your own funds or push for a bigger payout with a funded account? Appreciate any advice!