That may well be true. But from what I have read and seen in life, people with secure, well paid jobs who don't actually need the money very frequently put up all kinds of self imposed barriers between themselves and making something entrepreneurial happen successfully. They turn their noses up at work they could be doing or avenues for making money that are, in fact, currently open to them, while waiting for something better that fits their narrow parameters of what is
acceptable. Sometimes nothing better ever does show up. They are sometimes turning their noses up at the only avenue that will ever start them down the path they state they wish to take. When nothing shows up that meets their picky standards, they often then complain about how baffled and frustrated they are that they just can't seem to make it work.
There is nothing wrong with saying "I only want to make this transition if it meets thus and such conditions because I am basically happy where I am at, so it needs to flat out be an improvement of my current situation or I am not interested at all." But that isn't usually the position these people take. They usually express extreme bafflement and frustration at how impossible it is while actively throttling any hope of success because their expectations are simply too high.
All I am saying is "Well, you actually can start doing side work right now and are choosing not to. First, recognize that it is a choice."
The OP can make that choice if they so desire, but people are usually happier with their lives and also more effective when they recognize that, no, really, they are making a choice. Doors aren't actually barred and locked to them. They just don't happen to want to go through the ones that are currently open and do not feel compelled to because they are pretty comfortable.
Not everyone is that comfortable. Sometimes, people who are comfortable fail to recognize that is the actual problem. They have no perspective. I am just offering perspective.
"Duke Nukem Forever" comes to mind. The company was fat and happy. They didn't really need the money. So they dicked around and dicked around and dicked around forever, until it became a running joke in some circles.