Indie game developer is something I would be doing for fun, not for profit (unless I'm lucky). I wouldn't spend more than $100-$200/month besides reinvested profits (i.e. store listing fee is $100, asset packs, etc.). I would only do it once I had enough money to retire.
I never really had the opportunity to have a software project where I controlled everything and could make sure it's done right. I've always been a cog in a mostly dysfunctional machine.
The last time I was unemployed, after a few months, I felt motivation to start working on personal projects.