I tell myself that eventually I'll quit my job and 'micro-found' something simple that generates enough income that, combined with investments, will be sufficient. I've built a fair share of demos for ideas but it's hard to take them to a full product. Very few ideas I have seem good for this model (niche, executable w/ a small team) and the barriers to entry for software businesses have gone up considerably - it's hard to be a 'generalist' since the popular tooling is now built for specialists and the tech has gotten considerably more complicated, mostly due to evolving standards, customer expectations, and security requirements.