1.5 year business degree, with some side-"businesses" on my own (i.e. needed a bike, asked the shop owner whether I could re-design his homepage, he agreed, I outsourced the job and got the bike at 95% reduced price).

I do have (simple) ideas for possible Saas Apps (who doesn't? :) ) - but I'm not sure whether I can make them work financially, so I'm kinda trying to estimate my chances before diving in too deep.