What I have: wife in nursing school -finishes this december office with windows, nice desk and lots of travel to beautiful sunny places nice salary, company truck, company equipment and 401k lawn equipment that I use on my house Business plan that I have been perfecting the last 2 years Registered business name lawn website What I don't have: "freedom" personal vehicle trailer liquid cash - nursing school Currently I dabble here and there with post katrina lot clearing and landscape stuff that my neighbor needs help on. For me it's either jump or don't. The lawn season is also the busy season for my current job, so I have virtually no time to build a stable base and make a transfer - 60+ hours a week. I don't have enough liquid cash to buy the truck, trailer and extra equipment. MY goal is to be prepared for this upcoming season. My current plan is to continue building my business plan, advertising strategy and start an SEO campaign for the website. I have 5 different lawn companies that maintain my neighborhood. Each of them continue to offer lawns that they can't fit into their schedule or the customer wants 2 cuts a month. Somewhat of a good situation, HOWEVER, I don't have the time. I'm "guesstimating" a personal loan of 10k - 15k would cover startup legal expenditures and equipment, including the truck. Average price to cut a lawn is $40. I need $1000 a week for expenses and loan payback or 25 lawns a week at $40. Of course in the long-run 4k a month is not my 3 year plan. I'm open to all replies and would like to hear from the guys that just jumped, took out a loan and didn't look back. So I'm wondering how long do you think it would take and how did you progress. thanks for the time.