Ask HN: How to break out the loop of being an employee to your own business?

I've been thinking a lot and also searching around in a way of breaking out of the loop of being an employee to my own business. I can describe my situation as I'm working as a full-time software engineer where I'm getting paid very well compared to software engineers and of course compared to most jobs in my city but I'm stuck in a loop where I can't save really big amount of money to start my own business or even time to work on my own ideas

Did anyone found a way out that of this loop?