Hi Jeff, welcome to RetouchPRO!
I don't know if you've read through any of the threads already in this Work/Jobs forum. They are a
wealth of information for anyone wanting to start (or expand) a business in retouching.
If you need a kick in the pants, I would say, "JUST DO IT!" - but first read through these threads to understand all the parameters that go along with "it".
I'm not trying to blow off your question. It's just that I would have to go back through all of the threads myself to remind me of all the good advice (which I should do anyway sometime soon!) So, you might as well read it all first hand.
Good luck - and feel free to start up discussions on any "old" threads. The threads never die and we welcome further discussion/questions on any of them!
Jeanie