First prove it
You’ve decided to invest your safety net in creating a company.
As soon as it’s incorporated, money flows… out. Legal obligations, time to spend for many incidental things.
First, try to prove your ideas: because you’re likely wrong, and because this will help you learn what you currently lack. This is the famed “work at night and weekends in your garage” phase.
Explain your ideas, try out your pitches, ideas and solutions, see if it can “get traction”, or if anyone else is willing to commit money, time and attention to your future product or company. This is when you know you can get out of the garage :)
There are plenty of ways to test ideas in a relative safety. This doesn’t apply to all aspects of all ideas, but at least take that advantage when you can.