Your employer is the best source of seed funding for a solo founder venture. In other words, use your steady income from a job and turn your software business ideas into hobbies. If one takes off, great, if not, you have a hobby.

As others have stated, being a solo founder is almost the LEAST about programming cool things and more about marketing, sales, invoicing, payroll, etc. And especially if you are successful, you won't be programming for long.