Steve, you almost make it seem like it's not hard for anyone to step out of their shell of a life. You like being in a comfortable lifestyle, it seems. Anyone can say that you need take a step outside of normality, but few ever do. You have to want something enough to just go for it. It's not like you're dumb, you can do whatever you want, Steve.
Life is what you make it, so think about what you want, think about what makes you happy, what will make you happy. Figure out what it is you can do to get where you want.
M