I think for you the best solution would be to keep your day job and work nights/weekends on your startup. With your big financial liabilities and GF that has to stay in school in FL you can't make it work on a YC check and uproot to silicon valley...
If you really wanna be in the silicon valley tech scene -- it's a good place to network about your startup idea -- start applying for jobs out there. You'll make way more money than you're making now and you can still work on your idea nights/weekends. You'll probably find a co-founder and some advisers out there and have a better chance of getting serious funding than you'd have in Florida.
If you really wanna be in the silicon valley tech scene -- it's a good place to network about your startup idea -- start applying for jobs out there. You'll make way more money than you're making now and you can still work on your idea nights/weekends. You'll probably find a co-founder and some advisers out there and have a better chance of getting serious funding than you'd have in Florida.