i agree with what everyone else is saying about saving money before you start. i opened my daycare a few months ago, started advertising months before and am still looking for two clients. my partner is also money conscious (thank god, because i am not) and it has been really hard on our relationship. we both thought that i would start off full, or close to full and that hasn't been the case at all.
however, my price is a bit higher than the average in my area, but i stand by that decision and feel that my time, effort, meals, programming, etc. are worth it and the right clients will come in good time.
also, i'm glad to have my clients trickling in as it gives me the time to adjust to this new and very demanding career that i've chosen. it is very difficult and very physically demandin, not to mention stressful (in a different way than my office job was), so it would be best to have yourself covered financially so that you can ease your way into it.
good luck!