* become very good at a highly gamedev-relevant and marketable skill (e.g. graphics programming)
* parlay skill into well-paying job that uses and further hones that skill
* as you work the job and save/invest aggressively, start building games on the side using the skills you've developed
* after 5-15 years, if you still want to make indie games, you'll have enough money to do it full time without needing outside funding, plus a vast amount of relevant skill and experience to help you succeed
Con: takes forever, to the point where you might die before you get to finish a game
Pros: you are not truly fucked if you fail at indie gamedev / realize you don't want to do it anymore; if you manage to carry out the full plan, you can make exactly what you want, since you won't need your games to make money
This is the route I'm taking - I'll update with my progress in 5 years or so