[saluki]

Keep learning, ideas are easy it's about executing on your ideas and making sales.

Keep your day job and keep learning, start a small project you can complete with your current programming skills and learn selling, marketing.

Check out the StartUpsForTheRestOfUs.com podcasts, start in the archive. Lots of good info on stair stepping with small projects up to a SaaS.

Follow your dream but keep your day job for now.

Also check any agreements you signed with your employer regarding IP who owns what you work on outside of work. Don't work on or even visit websites of your projects from work. Don't share your dreams with co-workers/employers.