I want to quit work and chase my dreams.?

I work in advertising in the creative department. I have a job that pays well but I am not learning anything. My skills are getting diminished because of the poor quality of clients and people I work with and under. I have a lot of schemes and plans inmy head and ideas to start out on my own. Recession and things like that, the fact that my husband's job may not be 100 % secure even though he works for Microsoft, my own laziness deter me from my dream. But I dream of striking out and making it on my own. I am 25. I feel like it's now or never. I have already told one colleague that I am going to put in my papers. But tell me, do you think I'm doing the right thing?