Good question. I've done this a couple of times. Self-study can be incredibly useful. Being able to do it within the "distraction" of a full time job can also be extremely rewarding. I have a very conservative financial point of view in that if I got fired tomorrow I would want to be fine for the next year without working. This has in the past allowed me to work on my own stuff a couple of times without much worry (a…
Another option could be to take a part-time job. A fair number of stores seem to offer health insurance for any employee working 20 hours a week. Of course, that may or may not be compatible with one's idea of a "break".