[newsum]

Exactly. move into your mother's house. become a 1099 contractor at $100/hr+. save, save, and save. a year later there's your bootstrap funds + credit cards, excess of 100K. Outsource design/dev if necessary, launch it, raise a large seed round/series A, valuation 4m+

You don't have to give away anything. be an entrepreneur.

[ricardobeat]

And do that before you have kids.

[abracar]

Outsourcing design/dev doesn't sound like a good idea (nor does credit card debt)

[newsum]

nor does hoping/praying to get into YC so you can build the company of your dreams. take risks, calculated of course.