I have read this thread with great interest. I would like to be able to retire from my day (and night) job within the next few years and devote myself to photography full-time. Most of the small change I've made from photography to date has been pregnant women and babies. I see myself expanding on that, and finding some sales for landscape and other "arty" stuff.
My kids are grown and gone and raising their own families. Our mortgage payments are tiny by todays standards. I've got alot of gear already. My biggest problem is going to be charging what I'm worth (and need to get by) and bill collecting. I have big issues around money, asking for it, ashamed of appearing greedy and money-grubbing. My up-bringing is part of that, as is the time I spent as a single mother on welfare. I believe I can do it, if I can be rational about charging for my work.