re: Business owners- when did you make the decision?

I just opened my own brokerage for insurance a year ago.
I was offered an agency in Mobile, AL with an already established book, but did not want to leave the gulf coast.
More stress and headaches than I could have imagined, and I am constantly working, but things are going well.
Moving from a suite to a storefront next month, and referrals are coming in everyday.
Like others said repeatedly, should have done it sooner.