I'm dealing with this right now, as well, except that I already left the working world. I had some money, and the businesses that I've started have little to no overhead. However, the money's gone, and I'm in a scary place.
However...because I decided to face some of my fears, get help and backing, and trade labor for rent, I'll be fine.
I'm at that point that you'll end up reaching near the beginning of things...where the cash isn't flowing in like a tidal wave, yet you're struggling and poor (success isn't rushing along, clamoring to be made on according to your bank account). I have to say, "Is this worth it?"
My own thing: broke for now, but able to wake up and love my life. Giving value and being of service to someone else, which also helps me. Having the power to make money as fast as I'd like, with the responsibility fully in my more-than-capable hands.
Working for someone else, based on past experience: managers promoted to the top of their incompetence, assault, sexual harrassment, public transport expenses, noise, lack of privacy, rudeness, insurance (maybe? Hahahaha!)...and a little bit of cash. Even with part-time jobs, employers will try to get over on you in order to get FT work for little to no money.
I'ma be alright. I'd rather be my own woman than put myself in the hands of someone else. It's tight, I'm not gonna lie, but I have the power to make it better.
And...working FT while giving two hours a day to your business? I've never understood that reasoning. How can you give your all to the day job in order to excel at that, yet give your all to your own projects? It's no sort of life to sit there and keep on waiting for "oh, it'll be perfect if I have this much money!" or something, while you talk yourself into some false happiness and gratitude that someone is busting your balls for their own profit.
Do what you have to do. Only YOU know if cold turkey is right for you. But it's not for the faint-hearted, and I wouldn't do it if you've got dependents.
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