Keep your 20k for now. Focus on honing and studying marketing and sales skills, seek out an audience for your app(s) and figure out how to reach them consistent

Keep your 20k for now. Focus on honing and studying marketing and sales skills, seek out an audience for your app(s) and figure out how to reach them consistently. Maybe start with a very, very small app you can work on while keeping your day job, don’t outsource anything, do all the dev, design marketing yourself. You will learn a lot through that. Most importantly don’t start something like this without a clear strategy on how to sell it.