[surfmike]

I've been in that boat. My situation ended up being similar to what you're worried about— wasn't able to develop any idea or business substantially. My advice from my limited experience is: if you want to go it alone enough, you should be able to create at least a very simple version 0.1 before you strike it out on your own. We often think work is what's holding us back, but lack of disclipine and direction could be just as limiting.

[dorchadas]

I've found lack of direction to be my biggest issue. I've got a job that, thankfully, gives me a decent work-life balance (if not a great pay to go along with it), but I just can't bring myself to do anything during my time off because I don't know what to do.

Though, that's not to say discipline isn't an issue as well. I've had several ideas, and never really followed through because of lack of discipline/not seeing how it's going to help me earn money, etc.

[wolco]

Do nothing, live. There will come a time when you get passionate just go with it.