I will add my two cent because just like you we seem to have similar background. I am average intelligence. I do have a MBA and most importantly I am rich. I actually grew up poor and was middle class most of my life. The biggest misconception is that as an entrepreneur you have to start or create something new. The truth of the matter is that you may not have it in you to work as hard and make the sacrifice needed. I felt the same way, starting something from scratch is not my cup of tea. I became rich because I started buying businesses. Think about the advantages. You already have customers, cash flow and staff all you have to do is come in and make it better or keep it the same if everything is already good. Yes, you need capital but if you do get the capital starting a business recommended instead of starting from scratch and most of the time you may not even need to quit your day job. Good luck!!!