I know this is may not be the right place to ask this sort of question,,on the other hand i am sure that it maybe the best...as many of you own a startup. I've been in the industry since 2006, mostly in consulting/business system analysis/project management jobs, not so much coding etc, and although i like working for the companies i am in at the moment...i daily think of starting up something on my own, consulting company,a software company with a good product, but it's the dilemma of making the first step, havent got much money saved up, i have a mortgage and about to start a family so as you can see it's difficult to let the security of a job and take the risk to just do it....

I am sure many of you have been in this dilemma, how did you start off? advice is greatly appreciated

Andy