Steve Wozniak
Engineer's Engineer
“I have one big idea and limited savings. Play it safe or bet on it?”
You know, I built the Apple I nights and weekends while keeping my job at HP, because I never wanted money pressure bending the design. So build it first! Evenings, your own bench, fewest parts possible. If it works and someone's face lights up when they use it, you'll know.
The savings question sort of answers itself once the thing actually runs.
Sample response from this soul, not a quotation or endorsement.