25 years old, making $150k–$185k in business lending, and considering starting my own shop. Am I thinking about this the right way? (I will not promote)

Hey everyone! I’m 25 and have been working in business lending and commercial loans for about two years. I’ve been fortunate enough to find success early, earning around $150K annually, with my highest earnings reaching approximately $185K. Over these two years, I’ve gained industry knowledge, built relationships, and learned a lot about how the business operates. Now, I’m seriously considering starting my own business in the same industry, potentially beginning as an independent broker. Financially, I have approximately $120K in cash reserves that I could invest while still keeping enough money to cover my personal expenses. My living expenses are relatively low, and I’ve also connected with people in the industry who are willing to offer guidance. I’ve spent the past two months researching, journaling, analyzing the numbers, and talking to experienced people. Despite that preparation, I’m still nervous about taking the leap. My current job has treated me fairly, and I recognize that making this kind of money at 25 is a great position to be in. I’m not looking to leave because I’m unsuccessful. I want to build something of my own. I value autonomy, control over my decisions, and being directly responsible for my success or failure. While I understand that entrepreneurship comes with more stress, longer hours, and financial uncertainty, I feel that at 25, I have time to take calculated risks and learn from my mistakes. My biggest concern is whether I’m approaching this strategically or underestimating the challenges. Being successful as an employee doesn’t necessarily translate to running a successful business. For those of you who’ve started your own businesses: Would you take the leap in my position, or gain more experience first? How would you approach the financial risk with $120K in reserves? What would you want in place before leaving a $150K–$185K job? What advice would you give your 25-year-old self in this situation? Any honest advice, criticism, or insight is appreciated.