The answer is "it depends". It depends on the following:

1) Your current 'runway': [How much money you have saved + Your current recurring income - Your current expenses].

2) How much money it would take to develop a 'minimal viable product' (MVP) that would allow you to test your idea. (i.e. would it require 0.1% of your savings + income, or would it by 50%)

3) How much potential you think your idea has.

Usually, the cost of #2 is something that can be made _much_ cheaper than you might initially imagine. This can be done by truly understanding what the core 'value proposition' is that you want to test, and understanding very affordable, minimalist techniques that will allow you to develop a product capable of testing it with potential customers. I've done this many times in the past, and it has allowed me to rapidly test out and iterate many ideas with very small capital investment needed.

Again, the answer depends on understanding the details of the previously listed issues #1, #2, and #3 above. If you'd like to discuss the specifics of your idea and whether an MVP could possibly be quickly and cheaply created and tested, either do some online research on potentially cheap and easy tools that might help out, or let me know, I'd be happy to help,

best,

Lee