Exactly the same here! I also have two kids, a day job and a mortgage to top it off. I'd drop everything to move to California to get in YC, and fortunately my wife and kids support me fully. The problem is that I'm having trouble finding a co-founder. I can code/design, but it's a LOT of work doing it alone, after your job, after the kids are in bed. Finding someone equally committed is hard: either they're not prepared to work as much on the project as I am, OR they can work on the project fulltime but feel they're putting more into the project than I am because they don't have kids and a day job. Dutch folks are usually very risk-adverse (apart from a few Dutch guys here on HN!) so it's difficult finding someone who wants to do a startup to begin with. So I definately feel where you're coming from!

If you're interested, shoot me an email. Maybe we can discuss some ideas, who knows how things will turn out!