This will be such a messy comment bear with me,
We’re almost the same age , i just started doing business earlier until war broke out in my country. Almost Everything people told me was a bad idea was one of the most profitable businesses i started, what worked for someone might not work for you, some people failed in e-commerce and others succeeded heavily , thats just how life works, and you’d never know what works for you unless you try.
The best thing and advice Ive ever got is read, learn while doing. Apply everything you learn. Ill tell you this right now, start any sort of small business on the side and read alot about business, marketing and sales. Everything that has to do with making money basically, then apply it in this small business, find your style of running shit and take off. The best way to learn is experience .
As you start growing a little bit, find a mentor, they’ll save you SO much time and effort, and they’ll give you the best advice. In my country we have this popular phrase that says “dont listen to an ‘expert’, listen to someone that experienced it (or did it)”
As for capital to start business, your job can provide it, just make sure you dont overwhelm yourself PLEASE, you’ll end up crashing in both, business and employment. You can start some businesses with almost nothing by the way, my first business cost me nothing (but a lot of time). Look into pre-ordering and the concept behind drop shipping, they can be applied to alot of businesses. (For a service you can have a client pay upfront then split the money with who you hire, or for a product , have your customer pay upfront then pay your supplier and deliver and so on)
Goodluck!
Visualize the future you really want and imagine living in it
Talk with other entrepreneurs
Sometimes venting the stress out to a loved one helps ALOT
Enjoy problem solving and ask people how much value you brought them and how much they enjoyed what you’ve offered them
Remind yourself of why you started and your motivation, never lose track of it
Do it to prove all the doubters wrong and so on
Good luck!