Start now learning to live below your means. I am having trouble expanding because I spend every penny I make (and then some). When I first started I had 3 months worth of bills in savings, a cheap van, and some tools. I was single with a low mortgage (condo), no vehichle payments, etc.
I think it will make the whole process a lot less stressful if you aren't freaking out about every penny, and it will allow you to spend that energy on getting and doing work, developing paperwork systems, organization systems etc.
Plus a lot time at first will not be billable, setting up accounts, seeing accountants and lawyers etc. Good to start now learning to live cheap. Then after things get established and you start churning the money machine, you can dip in the well a little more.
