Are you familiar with Chris Guillebeau's blog(the art of non-conformity)? He has some great insights about being self-employed and the fear of change, especially for those who have a steady jobs/mortgage/kids/etc. I alwas go there for inspiration and reassurance when I need it.
Yes, I read Chris' blog every Monday and Thursday. Even got a chance to meet him when he was on his book tour. Either way, he is a great resource. Thanks for posting the link.
http://chrisguillebeau.com/3x5/