I'm kind of in the same boat. I'm also trying to build my dream MMO, or at least get it started. Since I don't currently have to work, I'm basically just programming away every day building my voxel game engine. Fortunately I'm well versed in C++ and did a fair amount of graphics programming in my previous jobs (although it wasn't game related).

Ok, there's a lot of stuff there.  Some of it might be better asked as separate questions rather than having it all mixed together, but I'll take a stab at responding to some of it.

1 hour ago, Dawan Dumas said:

I understand that the game I want to make is going to be millions of dollars, but I can't go backwards.

Don't think of it as "going backwards".  Think of it as the necessary step of learning to walk before you can run.  You need to work on smaller games before you tackle a giant project.  The good news is that those smaller games could be smaller pieces of the big dream game, so that you can test things out along the way and maybe start growing a fanbase.  If your dream game was a WoW style MMO, you might start off working towards a single-player hack&slash for example, and test out elements of your combat system.

The people that work on massive games like that make smaller games first, the dream project isn't the first thing they ever make.

1 hour ago, Dawan Dumas said:

I would like to know where to start in starting my own gaming business.

 So here's the dirty secret.  As far as businesses go, there's nothing particularly special about developing games.  That is to say, starting a game business involves all the same steps you would follow when starting any other business.  Some things you might need to consider are registering your business, filing any required trademarks, renting or purchasing office-space (if you're not working remotely), purchasing hardware, licensing any non-free software you need, paying licenses for any non-open platforms you want to publish on, etc.  Here's a list of some of the legal stuff you might want/need to do with approximate prices from a well regarded (US based) legal firm that works in the industry.

Really, learning about starting a game business is the same as any other business.  General "starting a business" books and websites can be helpful.  Tom Sloper's website has some advice on forming a startup company (or working as an indie) and legal stuff to think about as well.

1 hour ago, Dawan Dumas said:

I didn't think about documents of what the programmers would be working on.

So, without some instructions, your programmers won't know what to do!  At a basic level, you probably at least need a Design Document explaining the game and vision to the whole team.  That website is a goldmine of information by the way, I'd spend some time reading lots of the other articles there!

1 hour ago, Dawan Dumas said:

Then I want to here all the worst gaming stories.

You may be interested in "a frank look at making videogames professionally ."

Hope some of that is helpful!