I'm broke and in a startup, been at it 1 month to the day, planning a launch in early Sept. I actually need to be code complete for the 28th of Aug as I'm going to Burning Man.
No I don't think it's going to be perfect and there are a lot more features I'd like to see going to launch but since I don't have a budget for a national media campaign I doubt it will make a difference and at least I will be getting feedback.
You're still going to be in debt whether you think about it or not. If you stopped now would it improve the situation? Probably not. So get ready to launch, launch it, talk your book, make some cash. You can still build those features with some paying customers. Stop coding, start cold calling. Thats what I will be doing come Sept whether it be potential clients for the startup or potential clients for contract work.
I get by, by not thinking about it. Spend 2 hours thinking about the worst possible outcome, you blow all your money/credit/etc, and have zero income. Then think about what you will do. Now you have a plan. Never think about it again until the day comes that you need to put your plan in action. Then execute your plan.