Why don't you look for another job? Instead of spending 75K on living expenses while figuring out your "startup idea", why don't you do this: 1. Take 40K, and

Why don't you look for another job? Instead of spending 75K on living expenses while figuring out your "startup idea", why don't you do this: 1. Take 40K, and spend 4 months traveling some part of the world (Asia, South America). Meanwhile investigate a startup idea and find a co-founder. Work out of internet cafes/hostels etc. Now at least your money was well spent. Start building something (prototype). 2. Now you have an idea, prototype and cofounder, raise money (YC) and build your startup. If you can not raise seed funding, apply for jobs and get a new job. Do not burn through all your savings please.