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Hi there, here's some unsolicited advice from someone who's not much unlike you -- I quit employment about a year and a half ago when I had a fair chunk of cash, and now I'm launching startups for myself.

I've built about 5 projects to "almost completed" status in the last year. And each project has been "re-built" at least twice. It sounds like I'm in a very sad state, no better off than you, but my friend, I have fantastic news! I'm running out of money! There's tons of pressure now! And because of the accumulated pressure I've been feeling in the last 2-3 months, I finally put up one of the projects I'm working on, and after a stint of work today, it should be ready to accept paying customers (even if it's not fully glossy and conversion-tuned yet).

My advice to you? Find ways to put yourself under pressure. If it's not financial strain (like I have no choice in), then make it peer pressure and social pressure; Put up a website for what you're working on, and start talking about it. Post it on your Facebook, to HN, and anywhere else you feel like talking about it. Pray to a god-you-may-not-believe-in that people give you negative feedback, because that's the best motivator. "You can't do it, you're gonna go broke, you're doomed to fail!" is what the little man in my mental coal-room is shouting as he whips the hamster that powers my typing fingers.