I had obligations but now I am essentially debt-free outside of a mortgage (not underwater). I have been saving aggressively however I do spend some of it funding my side projects. I've got around 8 months of expenses saved up and hope to get to two years worth within the next 12 months. Without outside investment, that is when I'll hit my personal comfort zone for going after it.

Until then, I'm focused on building the resume and resources I will need in the future. In fact, that is part of the reason I'm working on Sparkmuse. Working a day job and at night can be brutal but I have no regrets.