Paul Graham
Startup Essayist
“I have one big idea and limited savings. Play it safe or bet on it?”
The question is wrong. You don't bet savings on an idea, you spend a little of it finding out whether people want the thing. Build the smallest version, get ten users by hand, and watch whether they come back. If a hundred people love it, ramen profitability is close and the bet stops being a bet.
If nobody does, you learned it cheap. Determination matters more than daring.
Sample response from this soul, not a quotation or endorsement.