Good on you to have realized the inherent job scalability problem so early on in your life - you have just easily saved yourself several years of your life. The economical relationship between employer and employee is such that your employer takes upon himself all small and moderately-sized economical risks and in return collects most of the upside. There are exceptions such an outsized IPO (very rare) on one side and layoff (not so rare) on the other. In other words it's a risk swap not unlike car insurance or extended warranty. It's a great deal for someone who can't tolerate cashflow problems (e.g. who is in debt), but this sort of risk swap is unnecessary for someone who has a cash cushion to ride out the rough times. Many people voluntarily put themselves into such position e.g. by spending beyond their means - don't do that.

Your #1 goal is establish the cash cushion. Your #2 goal is to find a worthy idea. Once you have both you can burn cash to build business out of your idea. Here's how you do it:

1. Get a job and keep it. Reduce your burn rate and save money. You're ready when you have 18-24 months worth of burn rate stashed in the bank CDs (do not mess with the stock market - you are your high-upside investment).

2. While holding a job identify a group of people who have money, have problems, are willing to pay to solve the problems, you are able to solve the problems (it's in your domain), you can easily find and talk to. Bad choice examples: software engineers, teenage gamers. Good choice examples: middle-age middle-class women, small business owners. Business is not a legal entity and not even a product - business is a group of people whom you can reach and whose problems you can solve better than other people and who can pay you for it. Once you have that you've made it.

3. Talk to these people and verify the problem. Build a mockup of the solution and talk to them again. Try to sell the mockup on google adwords or any other channel you were going to use to reach out to your audience. This is a low-bandwidth activity that you can do while keeping your day job. Don't be afraid to drop one problem in favor of the another. In fact, strive for it - try to discover the most pressing problem your audience may have.

4. In a couple of years you should a solid idea about what to do, how to do it and how to sell it. You should also have enough cash to make the leap. You know the time is right when it doesn't feel like a "leap" anymore.

Also, read "Re-work" - it'll do you good.

Good luck.