As politely as I can put this, you are dillusional if you think that is what starting your own business is going to be like. The only part you have right is the part about it being a draw back to lose your health issurance.
One very definate thing you lose when you start your own business is your time. Yes, in a regualar job you might have to be there when they say. But compare that to having to be there when the business needs you - it is ALWAYS tugging on you for time. There is no such thing as a "freedom to set your scheudle" when you have your own business - not when you are first building it.
You sound like my husband:') Too late though. The check and the application is in the mail. Oh, well, at least I'll be a happily delusional. If I never try then I will never know. If I don't even try then it's for sure I'm not going to succeed , huh? I'm a very hard worker. I don't mind that. I want to be in charge of my life and to give back to my communicty by helping some very special people. I'm not worried. Thanks for the encouragement though. (chuckling)