Sounds like you are out of luck, mostly. If you don't have time, skills, freedom or money for a startup, can't make someone else to do the hard work for you ot

Sounds like you are out of luck, mostly. If you don't have time, skills, freedom or money for a startup, can't make someone else to do the hard work for you otherwise, then you can't really start up a programming something business. Solutions would be to decrease your liabilities, for example get rid of the mortgaged house and/or get a less time consuming job. Your family might have something against that, though... Other than that, start a business around a website. Maybe something around bitcoins. Maybe a game. In this type of thing time to completion doesn't matter, user support or sales almost doesn't matter... Of course, lack of skills does matter a lot there...