You need a savings. Probably 3x what you think you’ll need. You’ll need a solid plan. Not just a “this would be a cool game”. You need to be open about the development (not open source, but posting blogs etc). You also need to work with marketing and publishers to get your game(s) out there. You need to think about support and community from day 1.

In the end, the game is its own thing. It better be fun. It better be enjoyable. Otherwise all the above doesn’t matter.