The most popular quesiton ever! Everyone had their own experiences and therefore their own opinions, but as the folks have said, numbers dont lie. I am fortunate as my (and my family's ins) is provided by my wifes employer. That's 1700 a month, with our daughter. As for retirement and other beni's they went down the tubes when I started this 20+ years ago. I try to contribute on my own every month when available, but it is not every month. Its a tough decision. Family comes first. Like previously mentioned, put a strong effort in establishing yourself while keeping the regular gig. Not just a part time fun thing, but for the goal of being secure enough to make the jump. Better to take a bit of additional time now and have a proven base to start with, than to just jump in and regret it later. Maybe try to hook up with another painter and build up that way on a part time thing, doing work for someone else's shop before you decide to open you own. Get a feel for what the business flow is like, cash intake is like etc....
Good luck whatever you chose and keep us in the loop.
TABG
Airpower Art Studio