Dreams vs Delusion

At what point in the process of building your life coaching business (while working a full time job) should you take the leap of cutting back significant hours to accommodate for taking on potential future clients. I know that I eventually want to leave my job that doesn’t fulfill me and don’t have the time to build at the rate I want to, working the hours I’m working. I don’t want to mortgage my family’s future and am wondering where the line is between investing in my future and being irresponsible/delusional. I fully expect to use Scholars to manage my thoughts/drama and dive head first into the math of my business. I just want to learn from your experience and that of your master coaches who made this same transition. Thanks in advance!