I started freelancing just under 20 years ago and have worked as a solo developer ever since.

Maybe this isn't the best advice but I think we're capable of doing pretty extraordinary things when you're thrown into the deep end. You'd be surprised at how things start to work out once you're 100% out of your comfort zone.

I'm not saying quit your job immediately while still in debt or whatever. I just think that if you're debt free and have a few months of savings you could at least give starting your own business a fair shot without a safety net. If things don't look like they are going to work out, you could always find some type of job to pay the bills.