Posted 4/29/2021 05:45 (#8978047 - in reply to #8969205) Subject: Just jump...
Calculated risk. Gain nothing if you don’t leap. I did it in late 1997 before we had kids. However my wife was a substitute teacher so no benefits, we were planning on having kids soon (2000) and no backstop other than a great college education and the ability to calculate risk and had a plan to be fully self employed.
Looking at this from the outside what risk do you honestly have? Not to be crass, but you have the perfect NAT dream of bragging to be self employed with your wife doing the heavy lifting of providing the most expensive part of self employment - HEALTH INSURANCE! That’s teamwork if your wife can do those things for both of you and it’s not “wrong” it just “is”. No kids? What does your budget look like to support just yourself?
You have no idea what expenses are without kids and having to pay for health insurance. We front loaded college funds for our kids and the past two years have been simply amazed how little we have for expenses. Other than health ins premiums have gone absolutely insane since getting into our 50’s. But we knew that was coming and it was half-azz budgeted in years ago.
Do it. If you are good at “a job” you will find another one easily if this doesn’t work.