Thank you all for your feedback and input. Your wisdom and helped me make a decision. My initial plan is to do enough to pay off all of my outstanding debt (son's student loan and car loan) and keep the 9 to 5 for now. It is just me - no spouse, no kids, no partner. I am thinking this is going to be a part-time enterprise and test drive the road for a bit. I have the room to spreadout and do it right, but don't have to take on more than I can manage. I will keep you posted on how the first project for hire works out. I know one thing - I am tired of quilting for others who do not appreciate your talent and effort. NO MORE FREEBIES. :-)