I have substantial savings, a degree in business, decades of developer experience (from start up to public), I execute well, I work well with others, and I can build solutions. I have near zero potentially successful business ideas. "Solve a problem you have" - I don't see a path to a market from any problem I can identify. Do I have what it takes to start a company? Sure, file some paperwork. Do I have what it takes to start a company that makes money? I'm missing the first part: ideas.