You don't need that much money.  Just enough to pay the rent, utilities and food.

My plan I created for myself post-uni when I was in 3rd year uni was to not get a job.  Live very simply.  Save my money.

The more money I saved, the bigger my runway to fail.  And then work my hardest to build a company.

Bury the ego.

I was born into a poor family, and I never had any luxuries.  So I trained myself from an early age not to care about what other people have or be affected by that.

You don't need all of life's little luxuries.  If you live cheaply, you'll have the time, headspace and energy to create your dream company.

When viewed in that context, none of life's luxuries can hold a candle to being able to do the work you love.