Thanks PG. I have previously considered YC, unfortunately the cost of living far exceeds the amount of capital YC could provide initially.

Looking around the industry lately it seems that you can't do a startup unless you're fresh out of college with not a care in the world.

On the other hand, if you actually have industry experience (even if you are under 30), you can't "drop out" of "real life" because of implicit responsibilities (socially - such as dependents, and financially - such as rent/bills).