[newaccount74]

Don't have car payments? Just buy a cheap or used car for cash instead of a fancy car that you can't afford.

Live below your means, so you're not stuck in working longer and longer hours just to pay for your lifestyle.

Accept help from family. If your parents have a big house, move back in with them. If your wife has a good job, ask her if she's okay with being the primary breadwinner for some time.

Build a small fraction of your company on the side, while still working as an employee.

Maybe even find some contract work to do part time.

Or find an investor who pays you a salary to work on your startup :)