I do have the luxury of not having to earn an income for some time. I have as much experience in working for a company as I want to have at this point. What I want right now is focus, and that I can't borrow. After a couple months, I'll probably want a cofounder and advice from others who have been there.

I do have a couple ideas but they are too implementation heavy, and I don't want to commit for so long before having tried lighter alternatives first.

Finally, I really feel I have some homework to do before I ask anyone for their money and attention.

Thanks for the comments and the encouragement!