Yes, a lot of the advice, though well meaning, ignores the immediate situation, outgoings, etc. One might be facing homelessness, or ongoing costs (children, food insurance etc) and it’s this pressure and environment that makes experimenting with a new start rather risky or almost impossible, especially if your mind is not in the right place or life is currently unstable. It might mean taking on something in the short term while developing the side hustle. Good luck, keep positive, stay focused/active!