There are lots of blogs, articles, and posts giving advice for early-stage startups, but I haven't seen any that provide insight or advice into how a Startup Founder financially affords to make the leap between employee and Founder.

How does a Founder who is currently employed by a company, with rent, bills, a car, and some debt finance the leap? What happens directly after they quit their job? How do they have the money to lease office space and keep up with their other financial committments? This is an important question to me because it's also relevant to Co-Founders.

Surely the answer isn't "The founder must be financially independent and have savings", "The Founder resigns to a life of semi-homelessness and poverty", or even "The Founder works full time despite potential legal IP issues with their current employer, works every spare minute they have, then launch a MVP until the fledgling company brings in revenue enough to pay themselves a living wage"? How does the common Founder, who exists in a normal world with normal worldly constraints, make the financial leap to being an independent product owner?