I'd see if your current employer would keep you on 1/2 time at your current pay 
with benefits (especially medical).  Then use the other 20 hours a week to 
build your freelance business.  maybe 3 - 5 hours a week marketing and 
hopefully the rest working. Naturally you may market more when work is slow and 
market less on busy weeks. But you will find a good equalibrium. 

This gives you the advantage of testing the waters with a safety net and 
insurance.  


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