So I'll ask you straight out: why is the choice you've made salary man or nothing? Why can't you get started with a side hustle, and then if it gets traction, you can quit your job and it becomes your main living?
One of the big barriers to this is a lot of investors seem to expect founders to work for nothing in the early years, which is a pretty privileged place to be: most people with dependents just can't do that, so I hear you.
But you don't need VCs. You don't need to live on noodles. You can build something that replaces your day job, you just need to figure it out.