Deckman Bob...Thanks, that question was for you.I too have made changes. I work only part-time for someone/something else, in order to get a benefit and pension plan. This takes 20 hours every week. The rest of the time I've devoted to my own interests by teaching private music lessons, gigging, and otherwise drowning myself in music. A few years ago I crashed and burned from a high stress job and spent nearly a year on a stress leave, completely creatively numb. My life today is much better, and the surprising thing is I'm making alot more money in music than I ever did, and more than my day job! But the real benefit is the return of my sanity (for what it's worth) and contentment.
Some regrets create bitterness, others create opportunities. Flush the first, exploit the second.
Peace, Mooh.