I saved up money contracting before I took the plunge. This definitely wouldn't have been possible otherwise! But also, if you don't have a family, serious debt, or health issues, it's pretty easy to be resourceful and live cheaply, even in an expensive city like San Francisco.
Ah that makes sense! You sound better at living affordably than I am ... doing very similarly with the sidehustle and still pretty far from going full time.
One year I decided I wanted to save as much as I could. I went for the greater part of the year on under 2k per month. Saved a ton load of money, like 80% of my take home earnings.