Son.... I would never discourage anyone from trying to better his career. But, you say have bills, a wife and kids that depend in you.
Being in business is a whole new skillset beyond the trade. Too many guys jump in too fast and get hurt because they were unprepared.
So, here's a little tuff love.
What makes you think you're qualified to run a business in a tough economy when you're not even sure on how to start it?
You'd better do your homework before doing something you might regret. Remember who's depending on you. I'm not putting you down, just trying to make you a little wiser.