One twist on the consulting route is to set your rates to be very high — higher than you'd set them if you wanted to be employed full-time. It's a 'win' if most of your clients decline, and you end up consulting 2 days a week, but making as much as if you were working 3-3.5 days. Then you have 3 days a week to work on your startup, and a somewhat longer runway on your startup.