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Don't think that you can work full time and program in your spare time. You might be able to manage for a few months but you'll drain your creativity very quickly. You will be programming 16 hours a day and that will leave no time for anything else.

I used to program a lot as a hobby, but I got a job in web development and now I will rarely touch the computer when I am not working. I got lucky as I am now in a position where I manage my own project, so essentially I am my own boss, but I also get paid for it.

If you are really dedicated to pursuing games then consider looking for contract jobs. Pick up three month contracts and then between each one set aside a month or two where you take a break and pursue your own thing.