Right. Don't put the carriage before the horse. If you have living expenses taken care of and time to spend then you can create something. It does not take investment to get started. Don't think about it too much and just make something.
"GET GOING. Start creating and delivering your product or service. Think soldering irons, compilers, hammers, saws, and AutoCAD -— whatever tools you use to build products and services. Don't focus on pitching, writing, and planning."
... or as Guy Kawasaki put it (http://www.changethis.com/1.ArtOfTheStart):
"GET GOING. Start creating and delivering your product or service. Think soldering irons, compilers, hammers, saws, and AutoCAD -— whatever tools you use to build products and services. Don't focus on pitching, writing, and planning."
i.e. make something first.