Thanks, ladies, for the words of encouragement!
I'll be honest: at 60 years of age, I don't really want to go through the cash investment, training, setting up a business, which will include fitting out a space for my practice, as well as commuting to/from school during training, then commuting to my practice location once I'm up and running, plus the period of low revenue whilst I acquire customers.
I make less money now than I'd likely make after a few years in business but I work at home, sometimes in my pajamas. I can dress any way I want, and I don't have to satisfy anyone's requirements around gender. I eat at home and can nip out on the nearby bay if the fishing is good and my customers are taken care of. I can look at the water from most of the windows in my home and often see ospreys and bald eagles from where I sit. Plus, I'm mostly the housewife here, so I'd still have to take care of the home if I was spending many hours away from here.
Basically, it's a "Plan B" but definitely something I'm considering. I'm making a push to increase my current business's revenue. I really hope I'm able to succeed because the work aspect of my life right now is very enjoyable. I'll be eligible for social security benefits in a little over a year and a half and I might consider starting to collect then, or 1-2 year later. I just need to make a bigger contribution to the household finances.
My mother passed away when I was in my 20s (she was 57) and my father passed a few years later, in his low 60s. I hope to live a long time but I'm not a "live to work" person; I'd rather work to live.