You have received some very good (and kind) advice, Edward. It wasn't all that long ago, that you would have had many many responses within moments admonishing you for not reading prior posts and archives to find your own answer. However, the traffic on this site, and other adjusting web sites, has slowed to a crawl. That should give you some idea of work opportunities (or lack thereof) for the new as well as the old. If you haven't already, go to the archives. That will keep you very busy, in some instances entertain you, and likely tell you more than you ever wanted to know.
You will find advice and opinions from newbie adjusters(who disappeared in '06 and have not posted in many months), contractors/teachers/preachers turned adjusters(many of whom have not posted in many months) , life-long adjusters that still have their wits about them (some of whom still post here & there, including me depending on your opinion as to whether I still have my wits about me , and other experienced adjusters that fall into the categore like Clint Eastwood said about detectives in The Line of Fire: "borderline burnouts with questionable social skills" (maybe this includes me).
Like you were told, have a good stash of cash laid away, if you decide to do this on an IA basis. A salaried staff job would be your best bet to begin with.