All I would say is that you’ll make more money if you work for yourself rather than being employed by someone but the experience from working with someone could move you forward professionally quicker than doing it on your own. It’s more satisfying succeeding without the help of others too.
If you set up on your own be prepared to take work that you would prefer not to do as it brings money in for the short term – you can specialise later once you can afford to turn away work you don’t need.
Lastly, if you have a talent for photography do not let anyone put you off making it your career. There are lots of opportunities for those with talent, follow your dream.