The switch from employee to business owner isn't something to be taken lightly - the worst thing that can happen is that you end up as the whole employee in your own business.
I would start off by deciding what the lifestyle you want to create for yourself and your family is and how much that actually costs.
Then I would get in touch with who you are, what gift you have to contribute to the world, who are the people you most care about helping.
You can create a business to make money. Or you can create a business to express your purpose and passion, and receive an income as by-product.
From my signature you can probably guess which one I chose!
Also if you focus on your inspiration then you are a lot more likely to put in the time and energy to get your business off the ground and become more successful in the long run.