Don't underestimate the anxiety that monetary stress will bring if you don't win the SaaS startup lottery in your anticipated time frame (in my experience the rule that it always takes twice as long and requires twice as much money as expected holds true). I commented on a similar post on how I dealt with it when I left the cushy corporate tech world 12 years ago:

Note: I had more savings and it's easier to find a tech job in the US than the PIGS, so adjust the numbers a bit per your situation.

> Thought I'd share a simple budgeting tool I used to help alleviate/delay the inevitable monetary stress. I first decided how much of my savings I was willing to spend on the sabbatical. I then divided that amount into three buckets. The first was small and was my fun bucket (I think mine was b/w $3-$5k). I worked my ass off and it was time to have a little fun. The second bucket is the oh-shit-its-time-to-get-a-real-job-again bucket. I assumed it would take me at most 3 months to find the right job, so this bucket equated to 3 months living expenses. That leaves the remainder for your "core" second bucket. When I was spending from this bucket I never once thought about what I'd do AFTER the sabbatical because I knew I had that covered financially. I simply focused on the sabbatical itself and had an amazing experience.

https://news.ycombinator.com/reply?id=8053243&whence=item%3f...