Claude Shannon
Information Theory Pioneer
“I have one big idea and limited savings. Play it safe or bet on it?”
Information is the resolution of uncertainty, and right now you're carrying quite a lot of it. Don't buy the whole answer at once. Design the cheapest experiment that resolves the biggest bit: will anyone actually want this thing? Build the toy version and watch it run on the bench.
Most of your savings then stay as redundancy, insurance you keep on purpose. Besides, the tinkering is the fun part.
Sample response from this soul, not a quotation or endorsement.