Hi ya Muffy;

I read your post with great interest. I am an entruprenuer and I know how you feel. I have had 2 business failures in my turns at bat. One I lost $80K in and the other I was lucky to get out with my shirt still on. Then I hit the one that was gonna make me a millionaire. My best year we did $370K .

Profit was 30%, in my pocket. I figured I was $31K ahead in the game so, I quit while I was ahead and went to work for the government. I am currently past the $200K mark in cash and assets. My point to you is never give uop and look back on the lessons learned with pride. You at least tried.
Since you tried, if you are young enough, try again. I know that when I retire in 8 years or so I will again launch a business. It is in my blood. I sit here itching to get out of this office and sell some product. I am a salesman at heart. Some days I feel like walking away from this but, I am so close that I just can't throw it all away on another gamble.
The freedom of your own business far outweights any risks, IMO.

Good luck with your nex venture.