I met a guy who has published more than thirty books while employed full time. He said he reported to work an hour and a half early every day and wrote for the entire time. He did it no matter whether he was inspired to write or not and he never missed a day except during vacations.
He kept a daily journal in which he recorded his mood, whether he was inspired to write, and what he wrote. He then anlayzed his writing with that information in mind and found absolutely no change in the quality of his writing relative to his mood and inspiration.

As to working from home, I assume you are primarily referring to health insurance benefits. Health insurance is available at reasonable prices through the Writer's Guild and the Dramatist Guild and other professional groups. If you decide to stay home and work for yourself, checking out any professional organizations might be an option.
If you want to do it, and you can do it, DO IT!!
smile