First, realize that you aren't alone in these times. Next, take a deep breath and know that it's through the toughest of times that make who we are. Always remain true to yourself!
Is playing it safe for all of these years good or bad? Look at it this way, you can't change it and the "other way" might not have made who you are today.
Pick-up some work through the freelancing sites and build some regular customers. Remember, times are tough for everyone these days, so don't expect yesterdays money.
Look at your life, set-up goals and work toward them, every and every day... even if it's only for five minutes.
Don't expect, freelancing to bring "change" to your life! Have you ever done any community service work? Maybe a local Non-profit could use your skills, through this maybe some change will occur.
Who know what the future hold for you, it may be bigger then you imagined.