<prompt> Human: I am in a professional field with a TON 90k of grad student federal loan debt, however am on an income based repayment plan for public-service loan forgiveness and my monthly payments are manageable. Seven more years of payments and its gone. Neither my spouse nor I have any credit card debt. We are renters and cheap-ass cord-cutters with relatively low monthly expenses and I have been putting at least 60 of each paycheck in savings. My husband is self-employed an on my health insurancebenefits. We are expecting our first baby this year. My ultimate goal is to run my own practice. The job I have now is good for me career-wise and fairly satisfying, but I am finding full-time work 50-55 hours a week with commute and workin for the man even though its a non-profit... to be absolutely exhausting not to mention pregnancy fatigue and I am not sure its going to be sustainable till I take maternity leave in 4-5 months. The plan had always been for me to come back to the job after baby is a few months old, but now Im reconsidering that as well. We have the capital to get the business started, and it is a service that requires little overhead. Just a ton of planning and research cuz Ive never done this before. Given the above my question is whether it would be completely batshit right now to reduce to part-time, cutting my salary our only source of stable income; hubs makes good money but it is variable in half and needing to go on Obamacare, to have time time to start coming up with a business plan for my dream of running my own practice? What are the obvious things I need to consider and some of the not-so-obvious? Obviously some number crunching is warranted and a ton more research on what health insurance would actually cost, since that is not insignfiicant. Please let me know if specific figures would be helpful in providing feedback.  <response>: I have a full-time job, and a 10 month old. I was helping a start-up as well on the side - but thats pretty much gone away because of the baby.So, IMO, you are insane to start a business now. 