1) You need a cofounder, for all practical purposes. So that costs more.

2) It'll probably take you longer than 1 year to make $50k/year/cofounder, so in your scenario you run the risk of running out of money after the second year.

3) In your scenario you have to wait a year to start. Plus, you run the risk of getting trapped in the job. Life happens, who knows what your circumstances will be like in a year or two.

And most importantly of all:

4) You'll be 100x better prepared after working at a real startup for a few years. All of the books and blogs are no replacement for real startup experience.