You should factor in the quality of life since you have been working from home. There is no rewind in life and before you know it, it's passed you by.
I understand the regular job is security, however if you can build your client base and grow your own business over the next ten years, it all good. You have little over head working from home and can under cut your compition.
Good Luck, wish you the best, it will work out.
