[android521]

If you're terrified of the risk , you're not really fit for entrepreneurship for now. Your best bet is try to increase the 45k number (changing jobs or taking on additional freelancing jobs) and invest the savings into stocks. Let time be your friends. You're still 28. It is never too late to start a business when you're 35 when you have more savings. When you have a burning desire and willing to risk everything, it's time you can quit your job.