[ronyeh]

Car & 401K is a terrible idea for generating cash. Keep your day job (or find a day job) and build apps on the side until you think you've found a winner.

Putting money into marketing is a difficult question. I feel like it works if you have apps that are already generating money, so that you can use that revenue stream to fund the marketing for your other apps.

But if you are just starting out, you should try the $0 marketing approach of contacting bloggers in your space (in their case, educational app blogs) to see if they'll review your app.