I agree, the best of both worlds is still an option. Get to a level when you can afford to not be working for a client all the time, and then plan your time to

I agree, the best of both worlds is still an option. Get to a level when you can afford to not be working for a client all the time, and then plan your time to spend, say, a fortnight a month doing client work, then the subsequent fortnight working on your own flux capacitor. That way, you might even avoid needing to source funding, too.