That you don't need the money should be a great motivation, because it doesn't matter, you won't starve either way. If it is what you love do you can't fail and failure sounds like the monster that scares you. Don't buy into the bad economy bull, it is the best time to start a business, people are still spending money they just want value for their dollars. Don't open a retail shop use the internet. But here is the most important part about starting a business anytime especially now, DO NOT GO INTO DEBT FOR ANYTHING. Don't buy on credit for the business don't borrow money to start up. If you can't get it with the cash you have find another way. Good luck, I expect to see your work everywhere soon.